davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

Equifax is a terrible, awful company. Due to a chain reaction of events caused by Equifax 's own failures, I am currently unable to lift a security freeze to apply for an auto loan. 

I currently have a security freeze on my Equifax credit file. I needed to temporarily lift the freeze to apply for an auto loan. On Friday evening XX/XX/2020 I attempted to login to the my.equifax.com website to control my security freeze. For some unexplained reason, the Equifax website would not authenticate my account using my correct ID and password combination. ( The same ID and PW combination previously worked perfectly a few weeks ago when I needed to lift the credit freeze to apply for a mortgage ). As a workaround on XX/XX/XXXX I then tried to authenticate my identity through Equifax 's automated telephone system. I answered all the authentication questions correctly. However, for some unexplained reason again Equifax was unable to confirm my identity through that method. Accordingly, Equifax decided to lock out my account permanently. 

To try and resolve this issue, I was only able to talk to a human customer service representative from XXXX Eastern time on weekdays. I talked to an Equifax agent the next Monday XX/XX/XXXX, after waiting in a telephone queue for over 2 hours. 

According to the Equifax representative, my only available option was to send a copy of my drivers license and social security card with a cover letter requesting Equifax to lift the security freeze. I was told that Equifax would send me a letter through the mail with further instructions to contact them to confirm my identify after receiving my request. This process would take 7-10 business days through the mail. 

Equifax can not be trusted with the basic ability to run a website, properly authenticate my identity and allow me to control the security freeze as I determine. Of the 2 times I have needed to control my security freeze, 50 % of those times ended in failure. The risk is too great that this will happen to me again. As a consequence of this experience, I intend to take whatever steps necessary to permanently remove the Equifax security freeze ; and I will never again place a security freeze with Equifax in the future. As you can appreciate, this result is entirely contrary to the purpose for offering a security freeze in the first place, and as a result of Equifax 's incompetence, my credit file will remain at risk.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

My wallet was stolen in 2019 and I was advised to begin monitoring my accounts and credit profile. I recently pulled a copy of my credit report and noticed accounts and inquiries that I have not authorized or have any affiliation with. I've contacted the Credit Reporting agencies notifying them of the incident and requesting verification. I have yet to receive a formal response. 

I have the right to privacy and have not given any written consent. Reporting this information to my profile is in violation of XXXX XXXX XXXX. Further furnishing account in direct relation to identity fraud is in violation of XXXX XXXX XXXX XXXX I've also requested that all fraudulent addresses are removed from my account to further prevent the reporting of inaccurate accounts to consumer report. These fraudulent accounts are severely impacting my ability to obtain cred
Consumer complaint received 2022-12-31
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. (CA)

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

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-03-20
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. (SC)

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I am filing a complaint over some unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX  XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   via XXXX XXXX XXXX, XXXX I do not have any of these financial products and I do not wish to have a account with these companies please delete them they are errors and I never signed any documents.
Consumer complaint received 2020-03-20
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Dear Toyota Financial, The reason why I am contacting you is to discuss a couple of late payments that greatly affected my current credit score. Through my four leases with Toyota my payments have always been on auto pay so there would never be a situation with me not making a payment towards my lease. If you take a look at my payment history I have never made a late payment and as I previously mentioned I am currently I am on my fourth Toyota lease. Back in XXXX my bank was XXXX   XXXX and when I was notified that they would be transitioning to XXXX XXXX, I decided to change banks and opened an account at XXXX XXXX XXXX XXXX. My account was opened on XX/XX/2016 and this is the reason how I received my two missed payments. Because I was going to get a whole new account this one was not on auto pay yet I then made a one-time payment online in XXXX for my XX/XX/2016 payment. This is where there is a problem ; I set up auto pay and requested that my one time payment be reversed because I could not afford to make two XXXX payments so I was reimbursed the {$340.00}. A few weeks went by and I was wondering why there was no payment for XX/XX/2016 and that is when Toyota Financial contacted me and said that I did not make a payment for XXXX. I mentioned that I did set up auto pay but I guess I didnt do it right so the agent helped me set it up. The agent then said that auto pay was set up and that my XXXX payment will be my XXXX payment and I would have to make two payments in XXXX that would take care of my XXXX and XXXX and with that I would be on track once again. Now at the time I did not think that would make late payments on my account because I was doing exactly what the agent at Toyota Financial told me to do. Now when I looked at my account my credit score dropped from XXXX to XXXX. There are no other dings on my account except for Toyota. I was wondering if those late payments could be taken off my credit report because I did exactly what the Toyota Financial Agent told me to do.

This is what toyota told me to do and it destroyed my credit report!

I called them several times and they said that they could not fix it!

They told me to write a new letter and sound like and XXXX and maybe they would fix it!

I called again and nothing!

Plus the only to contact them is by email! They have no phone or fax for their department!

I have leased 4 vehicles through Toyota and have always been on autopay! Until having to switch banks is what caused this! 

Please help me!
Consumer complaint received 2022-12-31
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-31
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. (CA)

XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX 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 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 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Specialized Loan Servicing Holdings LLC (NC)

On XX/XX/scrub> 2024, I submitted a payoff wire for {$71000.00} to Specialized Loan Services ( SLS ) at the account provided. 
By XX/XX/XXXX, the money had not been applied to the mortgage. I contacted the SLS at XXXX to see if they had received the funds, but the person said that the funds still needed to be received. So, I was transferred to the escalations department, where it was determined that I did not put my mortgage account number on the wire. So, I faxed and emailed the proof of payment to XXXX & XXXX. I also called my bank to confirm the delivery of the wire transfer. IMAD number XXXX confirmed the wire was delivered to the correct account. 

On XX/XX/XXXX, I called again to ensure the documents were received. I was informed there was no one there to check the email account provided the day prior. I was asked to email a different account, XXXX. I received an automated email that the email was received. 
When I spoke to the customer support person at SLS, I was told I needed to contact SLS 's bank to try to resolve the situation because SLS did not have the payment. I contacted XXXX XXXX, and of course, they said there was nothing I could do as I was not the account holder. 

XX/XX/XXXX, I called to find out if SLS was able to locate my funds. I was told the money was returned to my account on XX/XX/XXXX and that it would take XXXX hours to reach my account. I checked with my bank to see if there were any funds pending. there are not. 

On XX/XX/XXXX, I checked with my bank to see if there were any pending funds, and there were none. I was told that they could add the missing information from the wire to the notes, so I asked them to do so. I contacted SLS for an update, but I was told to wait. 

On XX/XX/XXXX, I verified that the money was not in my account. When I called SLS, they said they had just received my documents and would process the return. They then corrected themselves to say that the money had already been returned, but they could not provide any evidence of doing anything at all. 

As of XX/XX/XXXX, there is no change. 

Attached are the wire transfer documents
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX DEPT OF ED/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-03-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (OH)

I received a credit alert from XXXX  and discovered a debt collection agency called DRS or otherwise known as Debt Recovery Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone Number : XXXX Per my XXXX  report they bought a debt from a place called XXXX. I have never heard of this place and it was never reported to my buraeus before by XXXX. Per XXXX  they said I opened the account XXXX XXXX XXXX this not my debt and I have not received validation of the debt and they have re-aged the account to fit their interest in collection of {$340.00}. This debt that is not mine has lowered my credit score by 19 points. They went against the Fair Credit reporting act and I keep getting numerous phone calls that I have to block. They fraudulently re aged an account that is not mine. I have never taken out a pay day loan and it has never been on bureau until this company bought the debt. I had to XXXX  XXXX and found they are a paydayloan company and DRS bought the account. I have had XXXX XXXX for years and never seen this debt until I received an alert form XXXX. I have contacted an attorney and filed a dispute with XXXX  this needs to be taken off my credit report and DRS needs show validation so I can file fraud report with my local police department. If my identity was stolen I need validation.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNTS ARE DUE FOR REMOVAL OF FMY CREDIT FILE. THESE ACCOUNTS HAVE BEEN PAID IN FULL IN A SETTLEMENT. HAVE THOSE ACCOUNTS OFF MY CREDIT FILE, THEY HAVE BEEN CAUSING SERIOUS DAMAGE AND IS CAUSING DELAYED IN EVERYTHING THAT I AM TRYING TO PURSUE. PLEASE REVIEW ALL THE ATTACHMENTS AND REMOVE THE DISPUTED ACCOUNTS OFF MY FILE.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (LA)

XX/XX/year> The card limit was {$250.00} XXXX XXXX XXXX it was a credit card was the XXXX  collection XXXX XXXX XXXX. The XXXX  collection has been changed over to LVNV funding LLC in the amount of {$630.00} I do not owe that amount.
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My Transunion credit score drops almost a 100points for no reason once a year. It just happened this year! I'm not sure what is going on, I have filed numerous disputes with them, they never investigate anything. I want to find out how to file a lawsuit against them for dropping my score every year and have other people that will join.
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

I received notification from Midland Credit about an account that was assigned to them by XXXX XXXX XXXX. I contact Midland Credit and they threatened to garnish my wages so I set up a payment arrangement with them. I then reached out to XXXX XXXXXXXX because I realized I never had an account with them. I disputed the validity of the account and requested a copy of the application. They said to contact Midland because they no longer have it. I reached back out to Midland several times attempting to dispute the account but they refused the dispute. They directed me online to look at the documents. The only documents they have are statements and arent able to provide me a copy of an application either. Midland suggested completing a Police Report for an account they open in 2006 and I have no information to provide them. This account has affected my credit negatively and I need assistance resolving the matter. Ive also disputed it with the credit bureaus without success. The account number with Midland Credit is XXXX. They gotten my money under false pretenses and I want this account deleted from my credit, as well as my money back from Midland Credit.

Thanking you in advance for your assistance! 
XXXX XXXX
Consumer complaint received 2020-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/XXXX, I opened a checking account with a {$400.00} bonus promotion. The promotion was to be credited 45 days after fulfilling all requirements ; I fulfilled all requirements as of XX/XX/XXXX but have not received anything. I have contacted Wells Fargo executive offices on several occasions to resolve but have not received any resolution.