davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
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. (VA)

I went to my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.
Consumer complaint received 2023-02-04
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. (MO)

Two charges that are identity theft are appearing over and over on my credit report. Ive disputed but they keep letting these scammers ruin my credit. There is a charge from a XXXX and a charge from XXXX XXXX that do not belong to me. Ive called the company and they keep telling me that they dont know how it happened. You can check my dmv history. I have not had a car from these people and they agree to get rid of charge but then it appears again a month later. This is causing my credit to severely fall by false late payments and Im not able to secure any of the financing I was applying for. This has cost me lost wages and loss of procurement on housing and business loans. So its taking my time and time is the most valuable thing in life
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (VA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. In section 611 ( a ) it is plainly stated that a failure to investigate these claims within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I'll file for litigation due to the stress you've caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MA)

I recieved letter in the mail alleging I owe a debt that I have no recollection of. I inquired of the debt thru tittle 15 use 1681 reading trying to learn. I learned to request validation thru certified mail. I did that. I sent certified mail request in specific the original contract with my signature. validation of the debt. proof that said company could legally collect in my state and the law behind the way they can try to collect from me... what I got in return was a copy of a copy no proof that I have to pay any debt, in fact the letter stated that it was beyond the statute of limitation and to not pay or it can be further damaging. that why I am writing this.. I have never heard of the company trying to collect a large sum of money from me ; this case has crippled my chances of trying to acquire funds to get my XXXX  off the ground. I have put fraud alert on my accounts because someone trying to steal my identity. I served XXXX years in XXXX, I am trying to make an honest living but this case is one of many problems preventing me from getting ahead. I am just trying to clear my name.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (TX)

I have reached out to Experian several times in regards to a credit report update which has not been dont since last year. They keep giving me reference numbers but I still have not has a change. I have been denied credit due to this.
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (TX)

XXXX XXXX has been trying to collect a debt not owed for a year. I send them the receipts and they still pass my info off to a new debt collector each time. I have had to remove this from my credit once before and filed a complaint against them yet they persist.
Consumer complaint received 2019-12-05
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. (NC)

i started receiving calls from multiple unknown numbers, they were debt collectors asking about accounts i have never heard about. I  recently received notifications stating that my information has been exposed in recent data breaches. In result of my information being exposed my identity is being used to commit fraud, and used to obtain fraudulent services. I have no idea who could have stole my identity but i am being seriously affected negatively.
Consumer complaint received 2020-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (FL)

I have written to the Bureau ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt.
Consumer complaint received 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is not my account and I was removed as an authorized user from this account and it should not still be reporting to my credit.
Consumer complaint received 2020-02-28
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. (UT)

XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is not my account and I was removed as an authorized user from this account and it should not still be reporting to my credit.
Consumer complaint received 2019-12-05
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: Experian Information Solutions Inc. (WI)

I had my personal financial data comprised by Experian. So I placed a credit freeze on my credit report on XXXX. Paid {$10.00}. Enrolled in its IDnotify  program on XXXX. I received notice in XX/XX/XXXX that my XXXX was being canceled. Then I got a notice that my credit report would be unlocked because my IDnotify was expiring. What is the difference between these programs, if any? When I went to the Experian web site now, in XX/XX/XXXX, I had to sign up to pay {$9.00} per month to have my credit report locked. I don't want to be a victim of identity theft because Experian was hacked so I signed up to lock my report. I am a trademark and copyright lawyer and am very familiar with false and deceptive advertising. That is what Experian is doing. It is misleading consumers and confusing them and scaring them into paying Experian to protect their personal financial information. I am the PRODUCT Experian is selling - my financial data is the PRODUCT it sells. Experian does not clearly explain the difference between a credit freeze and a credit lock, or what is covered in its different protection programs, and what you are getting when you pay Experian {$9.00} per month. This is a rip-off of consumers. Experian is profiting from the companies that purchase the financial data of ordinary consumers ( such as myself ) AND profiting from consumers whose data they allowed to be compromised by not protecting their database from hackers. This is illegal and wrong, in my opinion. I should be able to freeze and lock ( or whatever term Experian  chooses to use ) my credit report at no charge to me - because Experian created this problem, not me.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services (AZ)

I have placed a Freeze on my Credit Report with Clarity Services, XXXX XXXX. XXXX XXXX, XXXX, Florida XXXX, phone : ( XXXX ) XXXX. 

On XX/XX/2019 I was notified by XXXX XXXX XXXX c/o XXXX.XXXX XXXX XXXX that according with Clarity Services credit report released from their files, my application for a loan could not be approved. 

I am very upset about Clarity Services for not enforcing my request to Freeze my account as previously requested. Clarity Services released a negative report. 

I have my credit report open with 3 credit report bureaus and I don't permit other credit report services such as, Clarity Services, to release my credit information. 

For the record, there is no any negative information about my financial records. I have been approved by other lenders. Consequently, Clarity Services action is unacceptable.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (AK)

I would just like to know if I'm getting in settlement in the latest Wells Fargo law suit. I have complained many times over the years both to this orgainization and Wells Fargo with no remedy. 

From XXXX to XXXX I took an auto loan from Wells Fargo, mailing in my payments 1 month in advance only to find they are not being processed until they are late to add late fees. When I moved payments to be electronic, Wells Fargo would reverse the payment then take it back to add late fees. Wells Fargo at the time claimed it was my bank not authorizing the payments and investigation with my bank proved that to be a lie. 

As far as I'm concerned Wells Fargo owes me {$30000.00} at least. {$20.00} for the car and {$10.00} for the fraud. How are they still in business?
Consumer complaint received 2019-12-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (AL)

I have no knowledge of this company or alleged debt. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-02-28
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: Experian Information Solutions Inc. (AR)

I found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX   XXXX {$18000.00} XXXX   XXXX {$4100.00} XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX   XXXX {$2200.00} XXXX/XXXX XXXX {$1100.00} XXXX XXXX/XXXX   XXXX {$810.00} XXXX/XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX   XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX   XXXX XXXX {$4200.00} XXXX   XXXX {$2000.00} DPT ED/XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$0.00} XXXX/XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2021-08-30
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 — Their investigation did not fix an error on your report
Company: Self Financial Inc. (PA)

The information you provided is different from other bureaus. This account is reporting late as reported in my XXXX and XXXX Credit Bureaus. Also, please reinvestigate the whole information especially the account status, high credit, current balance, payment status, and comments. This information seems to be misleading, lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2020-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I found out my identity had been compromised because my wallet was stolen at a store while I was shopping. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letter after letters of several unpaid for accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There is years after years of open account and closed accounts. There is way too many fraudulent accounts open that I am not near familiar with. These accounts are not mine. Please remove. 

XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2400.00} XXXX   XXXX XXXX XXXX {$18000.00} XXXX XXXX {$4100.00} XXXX/XXXX   XXXX {$10000.00} XXXX XXXX XXXX {$1700.00} XXXX/XXXX XXXX {$2200.00} XXXX/XXXX XXXX {$1100.00} XXXX XXXX/XXXX  XXXX {$810.00} XXXX XXXX {$500.00} XXXX   XXXX {$6200.00} XXXX   XXXX {$3200.00} DPT ED/XXXX XXXX {$5700.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4200.00} XXXX   XXXX {$2000.00} DPT EDXXXX XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX/XXXXI XXXX {$0.00} XXXX/XXXX  XXXX {$690.00} XXXX  XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with Regions Bank was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called Regions Bank today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.
Consumer complaint received 2019-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

I do not acknowledge such debt. ollection letter does not include any dates of service or details of the services I allegedClly owe. This appear to be on regards to my ex dentist from who I dont receive services from more than a year ago and in every visit i had paid off the amounts owed for the services received at Dr. XXXX XXXX office. I have never received a notification from XXXX XXXX XXXX even via mail or phone informing on ahy balance pending.
Consumer complaint received 2020-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (OH)

I see an account on my credit report that was sent to collections and I have never had an account with this company and i do not owe this balance. This was done without my consent and I have never given authority to start an account in my name with this company
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (RI)

I took out a loan with Wells Fargo Dealer Services. My vehicle was repossessed and then sold at auction for what appears to be an extremely low amount. 

On XX/XX/2014 I was sent a bill with a balance of {$8700.00} that included a line item of {$1500.00} for XXXX XXXX fee due '
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX  card is not showing on my Experian credit report in which I have 2 accounts with XXXX XXXX XXXX Cards Ending : XXXX & XXXX not reporting on my Experian credit report.
Consumer complaint received 2022-09-13
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. (MS)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous anxiety, stress, and financial hardship.
Consumer complaint received 2022-12-20
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. (NC)

This is my 8TH request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd. (CA)

Attempted to contact on XX/XX/XXXX to get information regarding original debt. I was told this was debt from another debt collection company and they didnt have that info. This was told to me by XXXX when I called Collection Bureaux of America. She stated that the date of credit was in XX/XX/2015. We looked back through all bills and we did not apply for any credit that would have gone unpaid or to collections.
Consumer complaint received 2019-12-05
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. (PA)

I am a victim of identity theft. My personal information and identity is being used to fraudently obtain accounts. My information was exposed over 3 times in the last 4 months and my personal information was used 6 months ago. I am a victim of identity theft.
Consumer complaint received 2021-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascent Holding Co (NJ)

So as you guys know I have already sent a complaint to Ascent Funding LLC already about my invoice. Today the invoice is due and the director of compliance stated at this time they are unable to pay invoices submitted by consumerd. This is an issue because there is no law that says they are allowed to ignore a remedy or payments required from them because they violated a consumer. There is no law that states the debt collectors inability to pay an invoice is acceptable and should be accepted as a response by the consumer. Their networth is over a million so theres no reason they can not pay an invoice that wouldnt have been created if they followed the law in the first place. I can issue another invoice for this matter including the violations from the first invoice along with the violations concerning the payment of this second invoice but, I wont need to if they follow this first invoice. Also, I asked before in the previous complaint against them that if there were any issues with the invoice, they need to contact me before the due date. They did not follow that complaint or aspect of my remedy so I have the opportunity to send another invoice concerning that violation as well. And just to clarify that I need that payment by XXXX XX/XX/2021, there is no law that states the debt collectors inability to pay a violation invoice is an exemption from actually paying the invoice.