davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS DISPUTE IS XXXX STUDENT LOAN HAS BEEN DISCHARGED AND I AM NO LONGER LIABLE FOR THIS ACCOUNT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE.
Consumer complaint received 2022-12-29
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: Exeter Finance, LLC. (LA)

I did not give any of these companies my permission to use my information. 

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 2023-05-18
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. (NC)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have unauthorized credit inquiries and have not authorized and I do not recognize the charges. 
I want them deleted and I want to add a credit freeze to my account to protect me moving forward. I have attached the notice with directions and a list of the name of the inquieries that are fraud.
Consumer complaint received 2023-05-18
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. (FL)

I received a notification by XXXX that 4 accounts was open on XX/XX/XXXX by XXXX XXXX a Debt Collector. I called the company and asked about the accounts that showed up on my credit report from XXXX. I was advised that the accounts was open in XXXX with a company called XXXX. I never open them account in XXXX. I filed XXXX XXXX and this company wasn't in my accounts to pay back. Please have account removed off my credit report that's reporting negative cause I never open them. 

1 ) XXXX {$340.00} 2 ) XXXX {$260.00} 3 ) XXXX {$100.00} 4 ) XXXX {$220.00} THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT BACK IN XXXX AND IDENTITY REPORT WAS SUBMITTED. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Consumer complaint received 2023-05-18
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. (MA)

XXXX XXXX XXXX..Is reporting on my credit report. I have no idea who they are and Experian is not helping me they are saying its a business account. I dont have no business and Also my business has nothing to do with my personal. This account is not mine shd Experian should bd held accountable for being useless. I want that company to prove that account belongs to me by showing my ID SS etc. I need help please. Thank you
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The credit reporting agencieXXXX, XXXX and Transunion continue to report my XXXX XXXX platinum credit card ending in XXXX as a charge off. However, I was a victim of a XXXX in which the thief fraudulently used my card and identity to cause the charges on my credit card, as a result, I am not responsible for the charges. I have attached a copy of the police report in which the criminal was ordered to pay me a restitution of {$49000.00} and sentenced to 3 years in XXXX for the crimes of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this charge off account from my credit report agencies as it is a result of fraud.
Consumer complaint received 2024-03-23
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2017-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (WA)

Several months ago, I tried to set up direct debit for a significant over-payment on my student loan amount ( to help pay the loans down faster and avoid interest ). When I tried to set up this direct debit on your website, the website returned an error message that said " Please correct the following 1 error ( s ). Additional Amount can not exceed 1,000.00. '' I contacted customer support, and they told me that this is a " known glitch '' that their IT had been trying to fix for over six months. They instructed me to write a letter to XXXX XXXX asking to set up direct debit for the over-payment amount. 

I just tried to increase my over-payment, and I encountered the same problem again. The website still gives that same error. I contacted customer support and spoke with XXXX, employee ID XXXX, and got the same answer : I have to send a letter requesting the over-payment. 

I find it very difficult to believe that this error message is a mere computer " glitch. '' Computer glitches do no explain themselves in plain English. A human had to have entered that function, and the error message explaining it, pursuant to some internal policy. 

Assuming this is true, I find that policy profoundly unfair, bordering on deceptive and dishonest. It places a completely unnecessary procedural hurdle in the way of borrows trying to pay down their loans as quickly as possible. I can see no reasonable justification for this. And, even if it is a simple " glitch, '' it should not take a major loan servicer more than eight months to fix it. 

I am writing the necessary letter tonight, so my immediate problems are solved. But I want XXXX  to fix this " glitch '' as soon as possible, to make it easier for students to pay down their loans as quickly as possible.
Consumer complaint received 2017-12-27
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. (MD)

On XX/XX/XXXX ( XXXX ),XX/XX/XXXX ( Equifax ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX XXXX XXXX as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXXI sent a validation letter to XXXX XXXX XXXX XXXX XXXX with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called Equifax and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 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 2022-11-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 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 2017-04-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo sold my mortgage to XXXX I was a little behind on my mortgage and they wanted me to sign for extended years to XX/XX/XXXX I bought my house in XX/XX/XXXX thats a fifty one year mortgage. And i did not sign any papers so they sold it to XXXX saying i was in Bankruptcy. My wife filed for bankruptcy in XX/XX/XXXX and it was nothing to do with Wells Fargo so how can they say and do this 4 years later and exspecially when it had nothing to do with Wells Fargo. So Wells Fargo is having XXXX as a third party that I pay XXXX more a month than I did before.
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX a fraudulent charge from XXXX was posted to my Wells Fargo XXXX XXXX XXXX XXXX XXXX for {$600.00}. I contacted Wells Fargo and reported the unauthorized/fraudulent charge as I don't even use the XXXX website XXXX a temporary credit was then applied. In XXXX, I noticed that my Wells Fargo Credit Card balance was unusually high. I found that the amount was due to being rebilled the {$600.00} from XXXX on XX/XX/XXXX. I contacted Wells Fargo XXXX XXXX and was informed they had proof that the product was delivered. I did not receive any unexpected delivery from XXXX. When requesting proof, it was not provided. I contacted XXXX XXXX, and a case was generated with XXXX XXXX On XX/XX/XXXX I had a missed call from Wells Fargo with no email or voicemail follow-up. I contacted the XXXX number and spoke with XXXX XXXX XXXX informed me that he will be closing the XXXX XXXX XXXX as the fraud team has provided evidence that my email ( XXXX ) was used for the purchase. This didn't line up as I've not received any email communication from XXXX regarding a purchase. I requested the evidence of my email being used with the proof of purchase, but XXXX did not have that information to share. I requested he email me with the case ID and his name, so I have a paper trail, but he did not do that. I called back that afternoon and spoke with XXXX, a supervisor from the XXXX XXXX. He mentioned that when reviewing the case information, he does not see the proof used to decline the claim. Unfortunately, no managers were available at the time to discuss further. I then contacted Wells Fargo Credit Card XXXX XXXX for right to documentation and was told that they'll submit the request to their back-office team to assess, which could take roughly 30 days. I was also told that they made an attempt to reach me at my phone number ( XXXX ) on XX/XX/XXXX but when reviewing my call-logs, there is no activity from Wells Fargo XXXX XXXX day. I've asked for reconsideration but they're simply denying it without looking further into this. I've also contacted XXXX ( on XX/XX/XXXX ) at XXXX requesting proof that the receipt was originally sent to XXXX and am unable to receive that documentation from them at this moment ( they provided me a blank email which has been uploaded to this ). I've also been told by the XXXX representative that the purchase was associated to phone number XXXX, which is not a phone number I've ever owned. When asking XXXX for further information, they refuse to provide me with it. I am requesting assistance with this as I feel Wells Fargo is not doing a diligent investigation and is instead holding me liable for an unauthorized/fraudulent transaction.
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX  Balance Owed : {$500.00}
Consumer complaint received 2023-02-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

There is an auto loan in collections on my credit for a XXXX XXXX XXXX financed with Randolph brooks federal credit Union. In XXXX I traded the XXXXXXXX XXXX in for a XXXX XXXXXXXX XXXX through a dealership called limitless auto group. I have my trade in paper work showing I traded the car in. I am not liable for this account anymore and idk why it is on my credit. Ive tried multiple times to dispute this account with XXXX but my dispute gets look over and nothing is done about it as it is still on my credit after being submitted and review and having been ruled against even after providing proof of my trade in paperwork.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX XXXX XXXX  I received a phone call with caller ID from Citigroup. The representative told me that Citibank noticed some suspicious activities in my XXXX accounts. They have mentioned that they saw two transaction with {$500.00} and {$990.00}. I told them I did not authorize these transactions. 

The Citi rep then said he needs to transfer the call to XXXX to help. The call was transferred to a XXXX rep and he told me to set up payees name as XXXX then type in case ID XXXX then send {$500.00}. He said in this way, XXXX Supervisor will able to see the amount with case ID then reimburse me back. He asked me to do separate XXXX for the {$990.00} with {$390.00} and {$600.00} each. After I did that, he said he made a mistake and need to bring on his supervisor to fix. His supervisor asked me to send {$1400.00} which is XXXX. After that, he said it is over their daily limit and in order to get all money back, I need to split the payment into {$1600.00} and some other amounts. After I sent another {$1600.00}, I noticed all the money left my Citi accounts. I finally realize this may be a fraud. I called Citibank from another line and they told me this is a fraud while I was on the phone with XXXX. 

Citibank then started fraud investigation. 

On XX/XX/XXXX, Citi informed me that since I authorized these transactions, I need to contact the receipt to get money back. 

My understanding is such fraud is covered by Regulation E and I should get my money back except {$50.00}. 

Transaction Date Amount Transaction Type Transaction Description XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX ID XXXX XXXXXX/XX/XXXX {$390.00} XXXX XXXX XXXX ID XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX  ID XXXX Please help me with this fraud. You can see Citibank 's responses in the attached PDF. Thanks
Consumer complaint received 2021-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have a collection on my account from a credit card that was fraudulently charged I have tried to get this removed numerous times The company has constantly put it back on my report I have tried contacting them for years but have never heard back
Consumer complaint received 2023-06-18
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: CAINE & WEINER COMPANY, INC. (AL)

XX/XX/2022 {$1800.00} the company is claiming i owe a hospital bill and i do not i told them i had a settlement with the attorney and they paid all the bill during a the insurance settlement so mits fraud and i told them to call the attorney office
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2022-12-29
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX