davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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. (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 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 2023-10-23
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC. (GA)

My two private loans defaulted and the internal collections agents contacted immediate family members, as well as extended family informing them they were collection agents. They also told them they were calling to collect debt for me.
Consumer complaint received 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (CA)

I lost my job XX/XX/year>. I did not receive unemployment and began to fall behind on my rent and car payments. I was paying late each month and having to pay a {$50.00} late fee. On XX/XX/year> I contacted Westlake Financial regarding my car loan. They had been sending me text messages and leaving voicemails to contact them about negotiating ways to bring my loan current again. I called the number they gave me in a text message and told the representative I had received a text to negotiate how to bring my account current. I explained that I was late on my XX/XX/XXXX payment and the XX/XX/XXXX payment was also due in one week. In addition my car insurance is due for the year on XX/XX/XXXX and I am required to carry car insurance as part of my loan agreement. In addition I also explained that I am XXXX  XXXX as my only source of income right now while I apply for other jobs so having insurance was a priority for me personally as well as for them as the lender. I told the representative I needed to defer the XX/XX/XXXX and the XX/XX/XXXX payments to the end of the loan and then I could pay my car insurance and resume my regularly scheduled car payments on XX/XX/XXXX. The Westlake Financial representative told me we could make this deferment to my loan and add the XX/XX/XXXX and XX/XX/XXXX payments to the end of my loan. She explained I would be charged for one late fee and that could be deferred to the end of the loan. She explained that additional interest for the XXXX deferred payments and the late fee would be charged. She told me I needed to make a {$55.00} payment with her in order for her to process the deferment. I paid the {$55.00}. I thanked her profusely and even cried saying multiple times that giving me the extra 2 months is what I needed to financially recover from losing my job. I believed the Westlake Financial representative was telling me the truth. On XX/XX/XXXX I began receiving calls, emails and texts from Westlake Financial saying I failed to make my XX/XX/XXXX payment. When I explained to them about the deferment arrangements they told me they were not made and they could not be made. They stated my credit was being negatively effected and I had incurred another late fee. They also told me the representative I spoke with on XX/XX/XXXX recorded the {$55.00} she demanded to make the payment deferment arrangements as a partial car payment of only {$50.00} which was never explained to me. My understanding was the {$55.00} was the fee to make the deferment plan. I was informed on XX/XX/XXXX that I need to pay the XX/XX/XXXX payment and the late fee by XX/XX/XXXX and my next car payment XX/XX/XXXX and Im no longer eligible for deferment because they deferred my XX/XX/XXXX payment only.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a dispute letter addressed to the Credit Bureaus requesting the removal of the unfamiliar accounts being reported on my Credit File on XX/XX/2023. I believe this is a case of fraudulent activity and I requested that the Credit Bureaus conduct an investigation and if possible, remove the disputed accounts off of my Credit File as soon as possible. I have read that under the FCRA section 605b, the Credit Reporting Agencies are required by Federal Law to remove any accounts and information that resulted due to fraudulent activities. I am submitting this Complaint today to follow up the previous Complaint I submitted. Once again, I need the following accounts removed from m Credit File as soon as possible : permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}. If the Credit Bureaus investigation find that I legally own these accounts, please send me copies of documents supporting such claims bearing my signature. In the absence of such documents, immediate removal of the disputed accounts will be greatly appreciated.
Consumer complaint received 2023-10-16
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (OH)

I received XXXX pay in XX/XX/XXXX. They issue you US Bank Reliacards. I had my card hacked in XXXX XX/XX/XXXX. Over XXXX was taken off my card for internet international purchases I did not do. I called and reported it to the fraud department. I sent them the bank statements and highlighted all the purchases I did not do they investigated it and said they found no fraud so I spent 3 days calling XXXX merchants and they said they never received paperwork from the bank stating there was a fraud charge. So I called the fraud department back and they reopened my case but they did nothing about it they sent me a XXXX payment in XXXX of XXXX and then one in XX/XX/XXXX and in XX/XX/XXXX they retracted it off my card but they didn't take the XXXX payment back. Now all the charges repeat there selves month to month if one month charges is legit, wouldn't the same repeat charges be valid also. I need my money please help I don't know what to do
Consumer complaint received 2024-04-18
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

I have been the victim of identity theft. Several on my accounts were compromised including my Money Network debit card. {$1800.00} was applied to a vendor I have no knowledge of nor a relationship with past/present. I have opened a fraud claim weeks ago to recoup my funds with no resolve.
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has been brought to my attention that you are not hindering records when I sent a multiple copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00}, XXXX XX/XX/2022, XXXX XX/XX/2022
Consumer complaint received 2023-06-21
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. (FL)

There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.
Consumer complaint received 2023-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (CA)

For several years a collection company named Meridian Financial Services has been posting a changing debt on my credit report an though trying to dispute it i have always failed. The amount changes regularly between XXXX and XXXX and i have never received any information. It is supposed to be a bulling by a timeshare company in California. More than 16 years ago my friend XXXX XXXX purchased a timeshare week with XXXX XXXX XXXX but returned it within the first 30 days, so he told me. He never received any title or ownership and he has never been billed for any maintenance in all these years. Some years ago Meridian FS starting posting collection debts on my credit report, first there were 3 or 4 and then just one for the last 2 years. These collection amounts go up or down over a year without any explanation as to why. I have never received any ownership from the XXXX XXXX XXXX nor any billing of any kind. I do not own anything with XXXX XXXX XXXX  and they are not entitled to bill me for any maintenance for something neither XXXX not I has ever owned from that outfit. Meridian is totally unresponsive and i guess is part of some scheme to pressure me to give them money. This situation has been going on for many years that i can remember, maybe nine or 10 years already, not sure how many years. Please help, thank you
Consumer complaint received 2023-01-10
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. (CA)

This is my other 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 alleged fraud or extortion. 




XXXX XXXX  XXXX XXXX  {$13000.00} ; XXXX XXXX XXXX XXXX XXXX  {$19000.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XXXX XXXX XXXX I sent a dispute letter addressed to the Credit Bureaus, requesting the removal of unfamiliar accounts that are currently being reported on my Credit File. I strongly believe that these accounts are a result of fraudulent activity, and I urged the Credit Bureaus to promptly conduct an investigation and remove the disputed accounts from my Credit File. According to my understanding of the FCRA Section 605b, it is a legal requirement for Credit Reporting Agencies to eliminate any accounts and information that are a result of fraudulent activities. I am submitting this Complaint today as a follow-up to my previous Complaint. Once again, I request the immediate removal of the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If, during the Credit Bureaus ' investigation, it is determined that I am the legal owner of these accounts, I kindly request that copies of supporting documents, bearing my signature, be provided to me. However, if such documents can not be provided, I greatly appreciate the prompt removal of the disputed accounts.
Consumer complaint received 2023-01-10
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. (CA)

This is my other 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 alleged fraud or extortion. 




XXXX XXXX  XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my several 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 Balance : {$83000.00}XXXX XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Ive been a victim of identity theft. Someone created a XXXX account in my name and gained access to my Wells Fargo account. I told Wells Fargo that I didnt have a XXXX account at that time but that didnt seem to change their mind that an account I didnt have, withdrawing from my bank account, isnt fraud. These are the claim numbers provided in the app XXXX, XXXX, XXXX, XXXX, XXXX. I have spent over 15 hours on the phone with Wells Fargo since the XXXX, Ive been hung up on, transferee around in circles, dealt with incredibly rude agents only to get my claims denied with one claim denied 3 hours after it was received. It seems that no team communicates with anyone else in the business. I was never asked for supporting evidence like a police report, ID Theft report, communication with other businesses, absolutely nothing. How is this a thorough investigation. I received letters for stop payments that I had made one of the letters said that I canceled the stop payment. There is no reason why I would do that. Nobody would tell me over the phone why my claims were denied, they told me that I would have to wait to get the letters in the mail. I have been a customer since 2001. I now know why they have an F from the XXXX, they have been fined billions and billions of dollars for fraud, and are called the worst big bank.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below 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
Consumer complaint received 2017-10-20
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. (MD)

On XXXX/XXXX/XXXX I submitted an initial dispute to Experian requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. 
I have sent repeatably letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. Experian keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.
Consumer complaint received 2023-10-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC (GA)

Nothing has happened a representative continues to call me to inquire about payment but can not adjust the bill, also they continues to call before XXXX a.m. eastern time until about XXXX p.m. at night. They call at least 4 times a day sometimes more.
Consumer complaint received 2022-11-18
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.