davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX file for loans/credit cards and have a unwanted guest on my credit report acting as if me putting unwanted freezes and comments on my report I have access to XXXX  someone has my information I need to remove comments and access to my credit report
Consumer complaint received 2022-11-28
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was billed by a hotel claiming to be affiliated with XXXX XXXX Hotels. They are not affiliated with XXXX XXXX Hotels and I have an email that was sent to me by their customer service department stating this. 

the upload link they keep send me fails to upload my documents. 

Capital One who is the is not providing me with a means to transmit this document to them. I can provide phone records showing how many times I've called requesting an email address or an upload link. 

I'm being defrauded and nobody will do anything about it.
Consumer complaint received 2018-10-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (HI)

In XXXX XXXX offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from this.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau ( EQUIFAX ). As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2017-07-17
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. (VA)

This letter is to inform you that   XXXX   has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ;   XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  -  XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  and XXXX XXXX XXXX XXXX all have violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-07-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

I took out a {$5000.00} dollar loan at XXXX XXXX XXXX XXXX and XXXX in XXXX NY The school was closed and went into bankruptcy. I called and the company told me they would take it off my credit because the information was incorrect it said I took out two loans instead of one. I do not owe any loan because the school was closed.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-07-17
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

On   XXXX   XXXX  , I contacted the   XXXX   credit reporting agencies,  XXXX ,  XXXX , and Experian to ask to remove only the dispute for   XXXX    acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once  XXXX  did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (FL)

XX/XX/2022 Weltman, Weinberg & Reis Co send me notice that I owe {$200.00} to a XXXXXXXX XXXX XXXXXXXX ( see attached XXXX ). 

I responded with a letter XX/XX/2022 stating that I'm not responsible for this debt ( see attached XXXX ) XX/XX/2022, Weltman , Weinberg & Reis Co send me letter ( XXXX ) with attachement ( XXXX  )
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NY)

My name is XXXX XXXX not XXXX thats a mistake Credit Acceptance XXXX, scanned and fraud me two times 2 vehicle loans one vehicle was repossessed. My credit has been ruined. I have creditors calling me and the attorney generals office sent a letter. They are pursuing fraud and scam charges. They scam me and thousands of other New Yorkers, but they will not mediate my case individually. I have to seek counsel, the dealership who sold me the vehicle is responsible for scam. Also, the price was not XXXX the way it was leased it was only XXXX. I had full coverage insurance on both vehicles, one vehicle was repossessed and ruined my credit. I never had a chance with that one. Both vehicles were lemons, constantly breaking down never got to drive them. There should be records of all the repairs. I did to both vehicles one of them this one I have now second loan I took it to the XXXX and they said its a scrap vehicle. It never should been sold in this condition its dangerous I would like for compensation for both of these fraudulent loans.
Consumer complaint received 2023-07-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (PA)

I keep getting robo calls from genesis FS card services about a milestone  account. I do not have a milestone account or card. They call at least once a day and use different phone numbers every time. I have blocked the numbers many times but they continue to call.
Consumer complaint received 2020-12-30
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: Experian Information Solutions Inc. (AR)

On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the XXXX  data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2019-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Description : from XXXX I was able to talking with XXXX XXXX, XXXX user name : XXXX. 



We were using XXXX messenger and then email to communicate. 

He was supposedly selling a watch XXXX XXXX XXXX. with the box ( document provided ).  After finished the deal and waited to receive the watch.. I got a bag of teas from XXXX.. ( document provided ) The email that he sent with the photo of package and what I received matches so we have a strong case! ( document provided ) As other XXXX buyers mentioned, he and his friends are a scammer and stealing money. ( document provided ). 

He and I agree to do the deal over the PayPal invoice! The following day he changed his mind doing the deal and canceled my invoice requests. ( documents provided ) As I mentioned in the email, I was backing out the deal because he kept insisting to just direct transfer.. giving different PayPal ids ... 

He tricked me into it by providing me the tracking info by royal mail.. when he was so confident that he already sent the package, I never imagined someone to sent a bag of teas and scamming someone!!
Consumer complaint received 2017-05-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On  XXXX / XXXX / XXXX  I disputed an item on my Experian report with  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I received a response from  XXXX   XXXX  which did not include verification of my signature. They failed to validate the debt.  XXXX   XXXX  did not notify Experian that I disputed the information as per FDCRA. I sent another letter on  XXXX / XXXX / XXXX . I did not receive a response from  XXXX   XXXX  at all. On  XXXX   XXXX ,  XXXX , I sent a dispute letter to Experian. Experian did not verify the debt with my signature as required by law. In addition, information was added to my report from  XXXX   XXXX  through  XXXX   XXXX  that is inaccurate. On  XXXX / XXXX / XXXX , I sent a second letter disputing the incorrect information. Experian responded back that they would not reinvestigate as required by law. The information being reported on my credit report by Experian is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.
Consumer complaint received 2017-07-17
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On   XX/XX/XXXX ,  I contacted the  XXXX  credit reporting agencies,  XXXX , Transunion, and  XXXX  to ask to remove only the dispute for  XXXX  acct per my lender request.   XXXX   is the only agency that removed all my disputes that was not what we requested, all other disputes were removed without my permission by  XXXX . The call confirmation number is #  XXXX . I had been working with   XXXX   XXXX   XXXX   on my credit for over a year and a half. Also, most of the disputes were started last year and the accounts that did not return a response should have been deleted off my credit report.
Once   XXXX   did INCORRECTLY removed those disputes the accounts were so call sold to collections companies that are now on my file. These accounts should have been deleted because they did not response in time to my disputes. Now I would have to start my filing of these disputes all over again which is not fair to me as a consumer since I DID FOLLOW PROCEDURE ALREADY.
Consumer complaint received 2017-07-17
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: EQUIFAX, INC. (LA)

I notified   XXXX   about some inquiries that were not authorized by me. I wrote a letter to them stating this and I never received any follow op informations regarding their actions. I also called them and they did nothing to help me.
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (CA)

Two AMEX Credit Cards were opened in my name and need to be deemed as fraud. I did not authorize or file any applications. 

On XX/XX/XXXX I received welcome series email from AMEX noting approval of account for new card. Notates account number ending in # XXXX. 

Received verification Your Mobile Messaging Number Needs to be Verified email on XX/XX/XXXX. 

Proceeded to get emails that card was out for delivery on XX/XX/XXXX. 

Then on XX/XX/XXXX I received another email noting I was approved to another card. Notates account number # XXXX. 

Proceeding to receive emails regarding delivery and sending out New cards. 

They were all sent to my old address which I lived 5 years ago or so. XXXX XXXX XXXX XXXX XXXX CA  XXXX. 

I have since lived at two other residences.
Consumer complaint received 2018-10-11
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I am a U.S. XXXX XXXX XXXX  XXXX for the past ten years and I just found out that I have been defrauded by an insurance company and a bank over them issuing a bogus renters insurance policy that was fraudulently taken out in my name, without my permission, and false claims were made!! 

In a letter dated XX/XX/XXXX, from Wells Fargo Bank, I received a refund check from Wells Fargo for {$30.00} as supposed " reimbursement '' for a renters insurance policy that I never applied for and for which I was charged premiums. In a telephone conversation with a Wells Fargo employee named " XXXX '' ( ph # XXXX ) on XX/XX/XXXX, I was informed that in XXXX / XX/XX/XXXX I had been fraudulently signed up for renter 's insurance with an Ohio company called XXXX XXXX XXXX XXXX by several Wells Fargo employees ( whose name XXXX refused to divulge! ). 

I have NEVER had renters insurance in my life from any company, ever. Yet someone employed by Wells Fargo was in a conspiracy with someone employed by XXXX XXXX XXXX XXXX to fraudulently sign people up for bogus renters insurance policies, and then make FALSE CLAIMS against these policies in order to steal monies!! Furthermore, this was all done as a part of a payment scheme by the Wells Fargo employees in order to meet certain sales quotas and to generate revenue for the bank. A XXXX search showed me a XXXX news article about where Wells Fargo had done this to over XXXX people in California last year ( https : XXXX ). 

You all need to investigate this and lock some people up. My credit has been damaged, false insurance claims were made against me ( which has hurt my ability to get insurance in the future because people won't insure a person with a history of claims ), and the bank and insurance company paid monies out to people who stole my identity, and a HUGE XXXX has been committed against the citizens of this state! 

Insurance fraud and identity theft have taken place here, along with money laundering and wire fraud, too. These are serious felony offenses and people need to go to jail for this.