davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

XXXX CONTINUES TO IGNORE REQUEST TO INVESTIGATE DISPUTES RECIEVED BY MAIL. EQUIFAX RECEIVED A DISPUTE FROM ME ON XX/XX/24 VIA CERTIFIED MAIL # XXXX. ON XX/XX/24 EQUIFAX MAILS ME A RESPONSE CLAIMING THEIR WAS NOT IDENTIFICATION DOCUMENTS ATTACHED. THIS LETTER IS A PART OF EQUIFAX TACTICAL RESPONSE OF MAILING OUT STALL LETTERS FROM THERE DISPUTE SYSTEM TO KEEP FROM INITIATING RE-INVESTIGATIONS. THEY HAD NO PROBLEM MAILING ME THE REFUSAL AND STALL TACTIC LETTER TO THE ADDRESS THIS WAS LISTED ON MY IDENTIFICATION DOCUMENTS PROVING THAT THERE WHOLE NOTION TO NOT START A RE-INVESTIGATION IS A LIE. ATTACHED IS THE LETTER FROM EQUIFAX VIOLATING 15 USC 1681I ALSO ATTACHED IS THE ORIGINAL DISPUTE THAT THEY RECEIVED AND REFUSED TO REINVESTIGATE. EQUIFAX NOW HAS THE REMAINDER OF THE INITIAL 30 DAYS THEY ORIGINALLY SIGN FOR THE DISPUTE OR A LAWSUIT WILL FOLLOW AND I WILL BE SUING FOR ACTUAL DAMAGES SUSTAINNED.
Consumer complaint received 2020-08-04
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$4300.00} DPT ED XXXX XXXX {$3500.00} DPT ED XXXX XXXX {$150.00} DPT ED XXXX XXXX {$700.00} XXXX  XXXX {$2400.00}
Consumer complaint received 2020-08-04
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. (TX)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPT ED XXXX XXXX {$4300.00} DPT ED XXXX XXXX {$3500.00} DPT ED XXXX XXXX {$150.00} DPT ED XXXX XXXX {$700.00} XXXX  XXXX {$2400.00}
Consumer complaint received 2020-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates (NV)

Hello my name is XXXX XXXX in I'm here issuing a complaint against a accreditors for Hillcrest Davidson and streamline benefits die have documents that they are suing me for money and I want this account audited I have no information on what this complaint is about I watch this processed accordingly and then went documents to prove that I owe this said I don't have any information at the moment and I'm requesting that issue thank you
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I dont know who these company 's are that are doing these inquire on my 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 XXXXXX/XX/year>
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CO)

With Experian, I put myself under my wife 's account as a family plan. I asked them to cancel my plan ( personal plus ) charging at {$24.00}. They stated ( XXXX was her name ) it was done. Now, I've been billed again. 

It has taken me 1.5 hours to WAIT for 30 minutes on the phone ( no response yet ) in order to get them to ensure it's cancelled and then refund me my {$24.00}. 

I'm still waiting .... 

One other thing. I think it's unsafe/unethical to ask for my SSN at the beginning of every call. This violates my privacy.
Consumer complaint received 2020-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (TN)

In XXXX XXXX, I went to Cash Express in XXXX, TN and got a flex loan of {$660.00}. But after interest, I was suppose to pay back probably about {$2000.00} and something. I paid my payments on time. Until I went through a tough time and quit paying them until I could afford it. Approximately 3 months after I stopped paying, I gave XXXX  to my XXXX. They called me the morning after I gave XXXX  and told me I needed to come pay them. I said I just XXXX  XXXX, youre going to have to wait. They said have someone bring it for you. I hung up on them, I was irritable and had XXXX  in places they shouldnt be, I was in XXXX  and they didnt understand that. So fast forward to today, I got a letter in the mail saying they was going to file a lawsuit to collect my balance or they would repossess something of mine if I didnt pay my past due balance within 5 days of the letter being sent out. Well, it takes 5-7 business days for a letter to get from one place to another. They dont even have access to anything I own to repossess anything. They legally arent allowed to threaten me with a lawsuit, based under the CFPB. They were in trouble for this in XX/XX/XXXX. I dont think they know that I know this and that I know they cant even practice a lawsuit, much less threaten me with one.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (WY)

I have an account with XXXX 's Credit and they did not send me a bill. 

It is sent to Wells Fargo Bank N.A. when I write a check. 

My first purchase was on XX/XX/2020 when I opened the account for {$750.00}. 

I paid the amount in full onXX/XX/2020 in the form of a check. 

I only receive paper statements from companies so that I can guarantee their honesty. 

In XXXX I made another purchase for {$610.00} for which I never received a bill. 

When I went on-line to make a purchase in XXXX I was refused. I then went into my account with XXXX 's website and was denied access. So, I called the phone number on the back of the card and spoke with a rude representative who accused me of not paying my bill. I explained that I never received a bill or e-mail or phone call related to it. 

Why would they not contact me for 2 months? 

The representative told me I had switched to e-statements only. I told him I would never do that. I also informed him that if I were receiving e-statements then why did I not receive a notice via e-mail of a payment due. He had no answer. He also did not verify my e-mail address. 

Wells Fargo just took {$610.00} from my Debit Card as payoff. Resolved? after I threatened to sue which would become a class-action lawsuit eventually. Wells Fargo obviously does not want any more negative publicity.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I made a dispute about the negative item listed on my credit report by XXXX XXXX. I contacted all three bureau and no reasonable investigation conducted. This company list the account as an open collection account. This item violates the FCRA 15 U.S code 1681b permissible purposes ( 2 ) ( a ) ( i ) ( ii ) the company nor the credit bureau had permission to procure a report.

A 1099C form the was sent to me by the company, as cancellation of debt in which I had to file as INCOME on my IRS tax return, and cant be considered debt. The 1099C states the this company no longer seeks collection yet they still report it as open debt collection with a different amount the shown on document.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

i have recently purchase a credit report from XXXX, XXXX, experian please use the written letter as confirmation that. i hereby opt-out and do not wish to resolve disputes with through arbitration .Again : i rejected the arbitration clause in the interactive service agreement. thank you for noting my account
Consumer complaint received 2022-11-05
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. (CA)

I have had to freeze my account with XXXX on XXXX occasions in which I never unfroze my account Now it is reporting hard inquiries that were removed I never unfroze my account
Consumer complaint received 2020-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This retail store Walmart merger with capital one since that time it has resulted in missing payments not credited and late payment fees added in error also, I have been sending auto payments to this company on a monthly basis from my checking account, they have more than 3 different customer service numbers call XXXX XXXX in the XXXX and XXXX XXXX I called XX/XX/1920 with no results with all the so called customer service representatives New address to send your payments to in North Carolina, they stated that they do not have any email address for customer service issues regarding billing issues, you have to send them a letter but to Utah. 

They are very XXXX  and suspicious, not to be tolerated by any means of common sense.
Consumer complaint received 2023-01-06
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)

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 need to be investigated and updated for erroneous reporting in my file and are listed 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
Consumer complaint received 2020-06-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

Every student loan I have ( 28 ) that said $ XXXX  is due and it is I. Good standing was put on my credit report had a negative mark. 1 loan which is in default was never put into good standing as was the directive from the US Department of Education. I also asked several times to consolidate them all and it still had not been done. My credit score has dropped 200 points since COVID-19 started and they reported all this. I also have asked multiple times to send me a bill which they have never done. All they say is that they emailed me. I never opted To have eBilling ever.
Consumer complaint received 2023-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I asked Credit Acceptance if they can reduce my monthly payments..and they declined force me to refinance my car loan in which I own a huge amount of money for a XXXX used car..I had the car for a year and the pay off quote after that year is still the price of the used car..that is total robbery with these people..I am the only XXXX XXXX in my home and this payment was ridiculous..They totally have no compassion for hard working people as myself..
Consumer complaint received 2020-08-04
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$180.00} XXXX  XXXX {$50.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$760.00}
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

SINCE NOTIFYING TRANSUNION OF INACCURACIES AND SENDING PROOF OF THE CORRECT INFORMATION PER XXXX XXXX XXXX, TRANSUNION IS CONTINUING TO REPORT FALSE AND INACCURATE INFORMATION CONCERNING MY PERSONAL INFORMATION. SINCE FILING FCRA XXXX ( XXXX U.S.C. XXXX ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 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. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block ; NO RESPONSE HAS BEEN RECEIVED FROM TRANSUNION, ADDITIONALLY, TRANSUNION IS CONTINUING TO UTILIZE NON-MAILABLE ADDRESESSES. TRANSUNION IS IN VIOLATION WITH THE FCRA REPORTING GUIDELINES REGARDING ACCURACIES IN REPORTING.
Consumer complaint received 2023-06-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I phoned and left a message for XXXX XXXX XXXX XXXX ), XX/XX/XXXX and XXXX, XXXX. I sent her an email XX/XX/XXXX but there was no response.The phone calls were never returned. Further to this investigation I received a new credit card in the mail yesterday at my genuine address. I did not apply to BOA for this new credit card and XXXX put a fraud alert on my credit rating in XXXX of this year. 

I used to have a bank account with Bank of America in both XXXX, Florida and in another state. Thankfully they sent the new credit card to my genuine address or I wouldnt have know about the fraudulent application.
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX CFPB XXXX USAA Indicates I COMITTED A CRIME REPORTING RETURNED ITEM AS FRAUD XXXX XXXX {$120.00}. See attatched XX/XX/XXXX statementt XXXX XXXX {$120.00} was paid by merchant BALANCE AFTER XXXX XXXX IS SUBTRACTED IS THE {$470.00} I REPORTED AS FRAUD AND NO IT DOES NOT INCLUDE THE XXXX XXXX. USAA REPORTED THIS TO CRAs and CFBB. AND REFUSES TO CREDIT WITH THE PERMANET CREDITS I WAS DESERVED XXXX. I HAVE BEEN HELD LIABLE FOR THIS FRAUD SINCE XX/XX/XXXX. Furthermore See attatched FRAUD CLAIMLETTER XX/XX/XXXX claim date XX/XX/XXXX {$470.00}. Confirming Temporary credits were made Permanet. See attatched XX/XX/XXXX statement. THERE ARE NO TEMPORARY CREDITS TO REMAIN PERMANET. This took a year to complete the investigation. USAA HAS SLANDERED MY GOOD NAME. AND DID NOT MAKE PERMANET CREDITS OF {$470.00} IN XXXX. I DEMAND USAA CLEAR MY NAME *** USAA READ YOUR OWN TRUTH IN LENDING STATEMENT. XX/XX/XXXX.
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (CO)

There is a fraudulent XXXX XXXX credit card that still appears on my account. I repeatedly told XXXX XXXX that this credit card is not mine and fraudulent charges were made to it. XXXX XXXX did nothing, absolutely nothing, to help me. THIS FALSELY ALLEGED DEBT IS OVER SEVEN YEARS OLD AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND ITS IMMEDIATE REMOVAL FROM ALL OF MY CREDIT REPORTS ASAP. I will never work with XXXX XXXX again and will warn all others to stay away from this predatory lender. I will tell my story to everyone to discourage them from getting any financing or banking with XXXX XXXX.
Consumer complaint received 2020-04-14
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)

For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the creditor on my credit file. The bureau has failed to provide documentation and only respond back with a generic " verified '' response. They havent indicated how it was verified, or whom they spoke with and what information was shared with them that shows it is verified. i believe that this is in violation of my rights. I believe this is in violation of FCRA.
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I test drove a truck and while I was gone XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ran many credit checks without my knowledge to many creditors. XXXX has corrected this error but TransUnion and possible other credit bureaus have not as of this date corrected the inaccurate information. Upon returning with the truck the salesperson pressured us with a guarantee of a loan and at this time we did not realize our credit had been checked by so many creditors already. The points against our credit has hurt us several times. Those include - all for the date of 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 ) 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. I would like to clear this up with all credit bureaus even though I understand this should fall off in XX/XX/XXXX I have been fighting this for almost a year. I appreciate all help you can render. Have a wonderful day. XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been requesting a copy of the verification from " Transunion Credit Bureau '' for the Chapter XXXX Bankruptcy Discharge ( Docket # XXXX ). I contacted the US Bankruptcy court and was informed that they don not deal with credit reporting agencies. That they have there own sources to place inquiries on my consumer report. I have place Security Freeze back in XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, so I am not understanding how Transunion was able to verified. So on Letter Date XX/XX/XXXX, I had a Freeze on third consumer filed. I demand that this public record for Chapter XXXX Bankruptcy # XXXX be removed from my file due to lack of verification and inaccurate reporting of verification was date XX/XX/XXXX. I have requested three time that Transunion provide proof of verification as of today, I have not receive the documentation shown proof of verification. 
I request and demand that this public record Bankruptcy ( XXXX ) be removed/ permanently deleted due to lack of verification and inaccurate reporting of verification date. Because third party consumer DO NOT disclose information on accounts with a security freeze placed on them. Please assist me with the above issue.
Consumer complaint received 2023-07-13
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. (TX)

In accordance with the Fair Credit Reporting act Convergont Account # has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX