davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I was a victim of ID theft. There are inquiries that are on my XXXX credit report that are fraudulent and do not belong to me. I have already filed a FTC report the inquiries are XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

RE : Dispute of Incorrect Address on Consumer Report I am writing to dispute the following incorrect address on my consumer report : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX There are multiple incorrect addresses on my consumer report causing me problems such as difficulty receiving mail, being denied access to credit, etc. 
I have attached documentation to support my claim, including I request that you investigate this dispute and correct my consumer report as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to investigate all disputes within immediately and to correct any inaccurate information on my consumer report. 
Thank you for your time and attention to this matter.
Consumer complaint received 2023-02-09
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. (IL)

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 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (NC)

this is inaccurate information thats reporting and i want these to be removed im a victim of identity theft and wasnt my consent ive also check the credit reports and the dates are not the same so on the credit bureau by law has to be removed because its proven isnt mines and not my consent and it has different dates
Consumer complaint received 2021-02-19
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: TD BANK US HOLDING COMPANY (AR)

THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME TD AUTO FINANCE XX/XX/XXXX 2 XXXX  XXXX  XX/XX/XXXX AND XXXX XXXX.
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NC)

I am a XXXX veteran, who was scammed by a care provider. In viewing my credit file, Credit Corp Solutions showed up. I do not have knowledge of any debt with Credit Corp solutions. Being scammed, and having my credit ruined was a fine thank you for a veteran who took three grenades for America. I trust Credit Corp Solutions, will do the right thing.
Consumer complaint received 2023-10-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (FL)

Real quick.. I have not had access to my mail box for less then 2 month or 3 weeks I sufder from XXXX.. someone possibly companies involved stole valuable things from me including my ID and bank cards. I could not resolve both in time to keep my checking account and Stripe corroded my passcode connected account with false 2 layer identification claims and setups.. therefore no one could send me support through financial options.. also denied a loan based on income but I've been retired...
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NJ)

XXXX XXXX I noticed an amount of {$500.00} from my savings account was transferred to another person via Zelle . I didn't authorize nor I know the person this is transferred to. This prompted me to check all my transactions and I did notice that XX/XX/XXXX, an amount of {$900.00} from my checking account this time was transferred again to another person via Zelle that I did not authorize. I never transfer these amounts of money even with someone I know. I have attached my Zelle history and it has always been before {$100.00} transfers. I reported it to XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2023-04-09
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have reached out to experian and filed disputes about the two negatives on my credit report. I get no response and don't know why it is still showing on the credit report after 10+ years. Law states that it should automatically drop off credit report 7-10yrs. This debt started in XXXX well beyond the laws stated drop off period.
Consumer complaint received 2023-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland credit filed a lawsuit against me for debt XXXX XXXX. 
The court date was set and I obtained a lawyer. 
Midland credit voluntarily dismissed the case. The collections was removed off my credit files. 
I just reviewed my credit file and the have put the same two collections back on my credit file. 
This happened this year XXXX. This case was dismissed in XXXX I want the collections removed immediately from all 3 bureaus. This is against the law and they should be brought to justice for trying this. 
I want the collections removed NOW!!!
Consumer complaint received 2023-01-20
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. (FL)

The following are unauthorized hard inquiries in my ( 3 ) credit reports XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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: NAVY FEDERAL CREDIT UNION (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2019-11-26
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. (MI)

I resolved an account with a lender and Transunion continues to report an inconsistent with reported balance/past due amounts payment rating history on my credit report. 

On XX/XX/2019, Transunion reports this account as closed by consumer with {$0.00} balance and {$0.00} past due. From XXXX 2019, they then report a 30, 60, 90 day late payment rating on an account that was, again, closed months prior with {$0.00} balance. There is no way I could have been late for payments during that time because with the balance being {$0.00} dollars at XX/XX/2019, the months proceeding should have had a {$0.00} dollar balance with XXXX $ payment due as you can not further charge to an account once it has been closed. In XX/XX/2019, Transunion reports once more a {$0.00} balance, {$0.00} dollar past due, okay payment rating, and account as closed by consumer. Then in XX/XX/2019, they report balance as {$0.00}, {$0.00} past due, but a 90 day late payment rating. There are not even 90 days between XXXX, the last time according to their records that I was 'okay ', and XXXX. 

This is clearly a technical glitch as it's quite obvious these ratings no sense with the numbers being reported. I filed a dispute with Transunion and nothing came of it. I can not wait another 30 days for a technical error to be adjusted on my credit report as this has tanked my score is preventing me from qualifying for a loan for my housing.
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION (WA)

This company has been bringing down my credit score making it difficult for me to live my life an handle certain issues relating to financial situations. This loan they are attacking me for was a result of identity theft or something of the sort due to me never opening this account or loan.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2023-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding # XXXX ( XXXX ) {$670.00} XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX ) {$1700.00} XXXX XXXX XXXX XXXX ( XXXX, XX/XX/XXXX ) {$97.00} XXXX XXXX XXXX XXXX ( XXXX, XXXX ) {$64.00} XXXX XXXX # XXXX ( XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ) {$90.00} These companies keep showing up on my credit report and I don't know them with being XXXX had a big breach XXXX would like for these items to be removed. 
No Actions was done because I didn't know how to locate these companies.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2023-02-21
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: EQUIFAX, INC. (IL)

This is my 2nd 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 Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX. Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2023-01-20
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 (TX)

In the year XXXX I got XXXX  and I could not make my car payments to Wells Fargo if I remember correctly it was 3 to 4 months they took my car away when trying to get the amount of XXXX to XXXX they told us that after a date limit they gave us 10 extra days when we had the money Wells Fargo took our car to XXXX XXXX we live in XXXX we complained because if they had given us the extra days they didn't care we had to get an XXXX there since we didn't have a car, this happened He never let me enter my account again to check if the payments were up to what I owed after that in XX/XX/XXXX I got sick again with XXXX  and they took my car again for one or two months that I did not pay after That for a month or two that I did not give or pay what I could, they took it from me and charged me more than a XXXX dollars when I owed XXXX, I even preferred to lose it.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

The bank charged excess fees and did not process deposits prior to processing withdrawals. Continued charging overdrawn fees, NFS fees, while having funds available from savings account to automatically bring account to a balance that would cover the incoming debits. Then would transfer funds a day later and charge for the transfer.

Also used my personal information without my consent to market and solicit 3rd party companies to sell products
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute for Account Opened Fraudulently Dear Transunion Dispute Department, I am writing to dispute an item on my credit report that reflects negatively on my credit history. The account in question was fraudulently opened, and I believe this information is inaccurate. 

- Name : XXXX XXXX XXXX - Account : XXXX XXXX XXXX XXXX  - Account Number : XXXX I recently obtained a copy of my credit report from Transunion and noticed an account that I did not open or authorize. This account is negatively affecting my credit score, and I have reason to believe that it was opened fraudulently without my consent. 

I am formally requesting an investigation into this matter to correct the inaccuracies on my credit report. I kindly request that you : 1. Conduct a thorough investigation to determine the validity of this account.

2. Provide me with any information related to the account, including the date of account opening, the name and contact details of the account holder, and any supporting documentation.

3. Remove this account from my credit report immediately as it is a result of fraudulent activity.

I have attached copies of supporting documents that may assist in your investigation. 

Please inform me of the results of your investigation once it is completed. You can reach me at ( XXXX ) XXXX or via email at XXXX to provide updates or request further information. 

I appreciate your prompt attention to this matter and your assistance in resolving this issue. I am committed to ensuring the accuracy and integrity of my credit report. 

Sincerely, XXXX XXXX XXXX ---
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I Have reached out to all 3 credit bureaus and they given me the run around I have sent in my FTC report, in months ago here are the accounts and inquires that need to be removed immediately. 

Account Name and Account Number XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

In XX/XX/XXXX, I received notification regarding garnishments for lack of student loan payments. In XX/XX/XXXX, I signed up for the XXXX XXXX Program through XXXX XXXX XXXX XXXX XXXX Maryland ( no longer in business ) and successfully made my required payments. In XXXX XXXX, my employer advised that garnishment would begin on XXXX XXXX, XXXX for failure to pay my student loan, although I was told that completing the XXXX program would prevent this from happening. As of XXXX, XXXX, my wages have been garnished ( bi-monthly ) however, I do not know who the payments are being made to and why my monthly payments through Nelnet are also being required? 

I have been consistently making daily attempts to contact Nelnet with no prevail. The wait times are extremely long two-hours or more and no results. I have filed a complaint through XXXX, and their response is that they have attempted to reach out however, there is no record of that from my end. 

As a XXXX XXXX  teacher in a public school I do not know what else to do as I am unable to endure both a wage garnishment and making monthly payments. 

Help is needed!! 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-24
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. (GA)

In accordance with the Fair Credit Reporting act 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 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 2023-10-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST CITIZENS BANCSHARES, INC. (GA)

I have a savings account with XXXX XXXX. I attempted to initiate a wire transfer from my account to pay a dealership for a vehicle on XX/XX/XXXX. The wire was canceled on XX/XX/XXXX due to fraud concerns despite the fact that I had verified my identity multiple times and called several times asking why the wire wasnt moving forward. I was told the fraud concern stemmed from my changing phone numbers on XX/XX/XXXX. XXXX XXXX has refused to provide a way for me to refute the fraud concerns and I am unable to wire money from my account for the foreseeable future. The only way I can access the money in my account is them sending a paper check to me or ACH transfer. Neither on helps me pay the dealership in a timely manner.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ResidentCollect, Inc. (FL)

Innovative recovery has been Re aging my XXXX report this collection account was placed on my credit report XX/XX/XXXX but the date of last activity has been changed year after year. XXXX my credit report XXXX stated XX/XX/XXXX next credit report pulled on XX/XX/XXXX stated XXXX XX/XX/XXXX next credit report pulled XX/XX/XXXX stated XXXX XX/XX/XXXX the next credit report pulled was XX/XX/XXXX shows XXXX XX/XX/XXXX this is illegal. Ive disputed this in year XXXX with negative results just did a recent dispute again in XXXX of XXXX and still negative results.
Consumer complaint received 2023-04-09
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: BARCLAYS BANK DELAWARE (TX)

I am request that the BRCLYSBANKDE account with account number XXXX be removed from my credit report as soon as possible. This account was opened fraudulently, and I am a victim of identity theft. 

I have taken all necessary steps to report this fraudulent account to the relevant authorities, and I have provided them with all the necessary documentation. I am now requesting that you remove this account from my credit report as it was opened without my consent.
Consumer complaint received 2023-10-24
Product: Credit reporting 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. (GA)

I keep contacting Experian and letting them know they have the wrong information on my report. They dont answer the phone and never change the information. They changed the information before to the right address but then deleted that address and put an address on my report that was old and made that my current address. This has caused me not to be able to view my report on Experian 's website. I can view it on other reporting sites but not Experian. I have attached my report on other sites and you can see the address matches yet on Experian 's website they refuse to update the report to the right information causing me not to be able to view my report in real time. This kind of method Experian is using is causing me to not know what my score is and is stopping me from getting approved for loans.
Consumer complaint received 2023-10-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 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 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am listed as a potential victim of Equifax 's security breach which was reported yesterday, along with 209,000 other Americans. This breach, and Equifax 's response, are unacceptable. They did not even notify potential victims until several months after the breach occurred, and I did n't even know that I was at risk since I had never used Equifax 's services before. Their handling of user data and negligent security practices have destroyed any confidence I had for them.