davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
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)

I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX /Document XXXX 2. XXXX Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XXXX to write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF XXXX. AS I READ XXXX XXXX, XXXX XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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 XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Balance : {$12000.00}. 


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 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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. 


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
Consumer complaint received 2019-10-10
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: Experian Information Solutions Inc. (TN)

I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. 
INQUIRIES TOO : XXXX, XXXX IN, 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 2022-11-23
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)

I have reached out to all three credit bureaus in an attempt to get information about an account that is being reported incorrectly. I have asked to see documentation that this account belongs to me. I want to see the original contract with my signature. Neither of the bureaus have been able to furnish this document and I believe it is a stall tactic on their behalf. They need to be able to provide this information, and if they can not, then they must delete it. It has been over 90 days and I have yet to receive a resolution or a response for that matter. Since the bureaus get paid for every item reported, I believe they are stalling on purpose and are not doing their due diligence.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX : {$1000.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX, XXXX. XXXX XXXX : {$0.00}
Consumer complaint received 2023-01-25
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. (GA)

THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM 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 XXXX
Consumer complaint received 2023-01-25
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has 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.

This is not a complaint of verification of 30 days late, but to inform you have broken the laws listed above. I will file legal action if not rectified immediately. I will also be looking for compensation upwards of {$1000.00} per violation as stated in the law.
Consumer complaint received 2024-04-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NV)

I received an Amex eGift Card. I went on https : //balance.amexgiftcard.com/ # /account to see my balance. I attempt to use this card on XXXX ( using {$8.00} less than the current value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I am a victim of identity theft under the law 15usc1681 c2.

I did not give my personal information to this company and I did not receive any information within XXXX  days that this was going on my consumer report as stated in the law.
Consumer complaint received 2016-10-27
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Executive Title Company (KY)

XXXX is representing the seller of a property in XXXX, KY for the purchase of a new home in XXXX, KY. Proceeds from the sale of their current home will be used for the purchase of the new home. XXXX has requested the title company to provide a prelimary seller side CD to verify funds needed to close. After tow weeks of requesting the Title Company ( Executive Title ) will not comply with our request.
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was involved in a rental scam. I contacted a person off of XXXX who was advertising an apartment for rent ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX ). They requested first month 's rent and a security deposit totalling {$2600.00} in order to secure the apartment which I transferred them the money with Zelle pay XX/XX/XXXX and XX/XX/XXXX. However, a few days later, they changed the terms and said in order for me to get the lease I would have to pay up front for the first 3 months. After some back and forth it was clear they were not intending to rent me the unit, and I demanded my full deposit back. They have not given me any of the deposit back. 

I contacted Zelle on XX/XX/XXXX to dispute the fraudulent charges and they would not reverse the transaction. I contacted XXXXXXXX XXXX on XX/XX/XXXX and they too said they were unable to reverse changes.
Consumer complaint received 2023-05-17
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has 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
Consumer complaint received 2024-04-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I notified Wells Fargo and the credit bureaus that this account did not belong to me nor did I know if existed. I supplied a FTC Identity Theft Affidavit. After multiple attempts to resolve with no response until XX/XX/XXXX I also provided a copy of my police report which was requested and I sent it along with my FTC Identity Theft Affidavit. This was sent certified XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the dispute mailed and was advised to follow up on XX/XX/XXXX. I then received a response XX/XX/XXXX to attempt to collect on debt which I then called again to follow up on my dispute and was advised there was not enough information and the case was closed ( Complaint ID - XXXX XXXX OFFICE INTAKE TEAM XXXX but on XX/XX/XXXX I was advised they had all my information including the police report and identity theft affidavit. On XX/XX/XXXX I spoke to the XXXX XXXX team again and a new case was opened XX/XX/XXXX NEW CASE # XXXX. I was asked to Email supporting docs to wellsfargoecmo@wellsfargo.com which was completed per their request. I emailed my police report, FTC Affidavit and till this day Wells Fargo/Dillards has yet to provide any details other than a letter saying that they think I am responsible for the debt.
Consumer complaint received 2023-01-25
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. (GA)

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. Here are my tracking numbers : XXXX, XXXX, and XXXX. However, it's been more than 30 days and the credit bureaus failed to return my investigation. I am distressed that the credit bureaus have included inaccurate information on my credit profile and that They have been unable to maintain reasonable procedures in their operations to ensure the maximum possible accuracy in the credit reports they publish. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S.Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurately 15 U.S.Code 1681i if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2019-10-10
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. (TN)

I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX. 
INQUIRIES TOO : 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 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: LENDING COMPANY, INC., THE (FL)

Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that.
Consumer complaint received 2024-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

My loan was transferred to another servicer between closing and my first payment. I contacted the original mortgage servicer and attempted to pay my first month ( as instructed by my loan XXXX ). The customer service representative said I did not owe any money for that month ( XXXX ). I contacted my loan XXXX who said my loan must've got caught up in the transfer process. I elected to pay XXXX mortgage with my new servicer as I was told the money I would have paid the original servicer would be forwarded to them anyway. I made another payment in XXXX. Now the original servicer is attempting to collect both XXXX and XXXX mortgage payments and have sent a statement for XXXX. This is well after I received all the mail confirming the transfer. I have reached out to the original servicer who said they are researching the issue ; however, they are still attempting to collect this debt I do not owe them.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

Contacted all credit bureaus in regards to Bankruptcy being on my report for XXXX XXXX yrs. Per my bankruptcy court they did not provide any credit bureaus with my bankruptcy info. I disputed & opt out of XXXX XXXX & XXXX. XXXX XXXX XXXX has already removed the only problem Im having is with Experian. Its has been nearly 10 yrs. I am workin on my credit & the bankruptcy is hindering me for advancing my future. Being a victim of the XXXX pandemic I need some assistance with gettin this matter cleared. I thought statue of limitations was 7 yrs.
Consumer complaint received 2023-03-01
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)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 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. (TX)

I would like to file a claim against Experian, XXXX, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct on XX/XX/23. XXXX responded stating that all information was removed and requested Experian, XXXX, and XXXX to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-05-17
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NAM National Arbitration and Mediation (OH)

I am receiving harassing calls from ph XXXX. I believe this is a third party collector. I answer the call once ; on XXXX as an attempt to resolve/address the nature of the calls but the guy on the phone was extremely condescending, aggressive and did not even provided the required mini Miranda. I ended up hanging up on him as we were not getting anywhere.
Consumer complaint received 2023-06-08
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. (AL)

I have informed this company numerous times of the erroneous errors on my credit report through multiple forms of communication. There has been nothing done to fix these issues. My complaints and disputes are being ignored. Please see attached documents.
Consumer complaint received 2020-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

LoanCare has reported my XX/XX/XXXX as late. My payment of {$2700.00} was sent through my online banking and cleared my checking account on XX/XX/XXXX. Somehow LoanCare could not locate my account and apply my mortgage payment. Loancare held on to my payment and didn't return it back to my bank until XX/XX/XXXX. 

As soon as my bank notified me on XX/XX/XXXX, I took care of the mortgage payment. When I saw that this impacting both our credit scores, I wrote a letter to LoanCare on XX/XX/XXXX. I have yet to receive a response on this error. 

Why do we have to be penalized when we sent payment on time, LoanCare held on to the payment ALL month and by the time they sent it back to my bank pn XX/XX/XXXX it was already more than 30 days late!