davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Auto Pro Title Pawn, Inc. (GA)

Payment wasnt due until XX/XX/XXXX they said they were refusing payment and would then pick my car up for being late and that the only choice I had was to payout the XXXX that they wouldnt accept any other payment. They also have charged multiple people with 25 percent interest for over 5 months.
Consumer complaint received 2020-01-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILE A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (MS)

On XX/XX/XXXX, I used my MS State issued EppiCard. I tried using it again the same day and the card was declined. Within a few days, I received a letter in the mail stating the card was possibly fraudulently used and the account and card would be suspended and then gave me a 1-800 number to call. I have called over 10 times now ( at least once every week ) and can't get anyone on the phone. It rings twice and goes straight into a hold message. I've been on hold for over an hour several times but can't seem to get this resolved to unlock my account to access my child support money. I've also tried contacting MDHS only to be transferred back to the fraud division number. I've also asked if I could come in to the MDHS child support office and sign the necessary forms to have my funds direct deposited instead of using the EppiCard. The gentleman that I talked to today said this would have to be resolved first. So I spent 4 years trying to get child support only to have my child support locked up due to an ineffective system of controlling child support funds!
Consumer complaint received 2020-01-10
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. (UT)

XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.
Consumer complaint received 2020-01-10
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. (UT)

XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.
Consumer complaint received 2020-01-10
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 (NC)

On XX/XX/2019, I lost my debit card. I also had my license and phone taken. 
Later that day when I gained access to my email, I saw a notification that my password for my banking account was changed. After gaining access to my account and changing the password, I saw that over {$4500.00} in charges were made with my debit card at various vendors after I lost possession. Upon seeing this, I called Well Fargo for assistance and made my claim. 

On XX/XX/XXXX, I received an email from Wells Fargo that the case was closed and I would be receiving a letter. I also received a call from them that same day where they asked me to clarify some issues. I called Wells Fargo on XX/XX/XXXX after not having received the letter to ask about the status of my claim. They informed me that my claim was denied.
Consumer complaint received 2024-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NM)

Someone has used my information to obtain a utility in my name, in a state in which I do not reside. The utility company is XXXX XXXX. Delinquent amount is {$2200.00}, obtained XX/XX/23.
Consumer complaint received 2022-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

spoke to XXXX representative name : XXXX id # xqt he refused to remove the inquires after me telling he can will remove unauthorized inquiries. Also won't correct the info reporting incorrectly every month which is going against my consumer rights. ANOTHER REPRESENTATIVE DID THE SAME YET HUNG UP IN MY FACE. BOTH SAID THEY DO NOT INVESTIGATE INQUIRES ONCE PLACED ON REPORT EVEN IF DISPUTED VERBALLY OR DISPUTED VERBALLY. REASON THERE STILL THERE NO INVESTIGATION. 

US CODE 15 USC 1681 section 604 of force no unity is allowed to pull my credit report without my permission US CODE 15 USC 1681 section 604 A 1A REQUIRES YOU TO VERFIY ORIGNAL SIGNED CONTRACT.
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (CA)

O XX/XX/XXXX BBVA closed my business bank account. This account was charged off to the tune of {$140.00}. This amount was significantly lower than the more than {$500.00} in overdraft fees BBVA charged me and refused to remove. BBVA did this even after I pointed out that I had been double charged in some cases or these fees followed transactions as low as XXXX cents. 

In other words their fees caused this account to spiral further into arrears even after I was making payments toward the balance of their fees. 

They refused to remove any of them AND they also made it impossible to contact someone to escalate or dispute the manner in which these fees were charged. In any case, the account closed on the XX/XX/XXXX, however on XX/XX/XXXX a deposit in the amount of {$32.00} came into this account. Then on {$75.00} on XX/XX/XXXX and then {$50.00} on XX/XX/XXXX. This totals {$150.00}. 

I have attempted to contact Charge Off & Collections multiple times at the numbers I have been given and i have never been able to contact anyone. Can someone ANYONE help?
Consumer complaint received 2023-11-29
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

XXXX XXXX # XXXX, and Knight Adjustment Bureaus # XXXX & # XXXX are triple reporting an account to my credit report. All 3 of these accounts are reporting the same debt and this is a violation. I should not have this debt on here 3 times under different account numbers. This needs to be removed immediately.
Consumer complaint received 2020-01-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Improved Data Services LLC (UT)

On XX/XX/2020, I contacted XXXX XXXX at Improved Data Services. I firmly told him to not contact my extended family members as that is unacceptable and not appropriate for debt collection. After confronting him about contacting my extended family member ( 14 times in the last week and a half, which is absolutely unnecessary ) he stated it was to " verify my employment '' which is unnecessary as it is because I've not had a judgement or have been served papers for garnishment of my wages. I left him a voicemail stating I wanted no further contact as I've hired a bankruptcy attorney and that all contact will be going through them starting XX/XX/2020 and that I would be mailing them a letter stating I want no further contact.
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ALLIANT CREDIT UNION (NJ)

On XX/XX/XXXX I sent payment to Alliant Credit Union for {$350.00}. Payment was due XXXX  I then received notice they never received my check and was charged a {$25.00} late fee. I sent to them a copy of the cashed check and to date they have not not fixed the credit reporting or reimbursed me for the late fee.
Consumer complaint received 2021-09-06
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. (AZ)

I made report of identity theft to law enforcement dated XX/XX/2021 police report number XXXX. Identified on this report were seven ( 7 ) counts of collections reported fraudulently on my personal XXXX and EQUIFAX credit bureau reports. 

On XX/XX/2021 I certified mailed to all three bureaus a copy of the official police report, three forms of official picture identification, proof of address, my social security number, and a letter noticing the bureaus of documented fraud and identity theft. 

Previous fraud alerts and FEDERAL TRADE COMMISION affidavits of identity theft existed on my credit reports. I requested that the fraudulent derogatory entries listed in the police report be removed. 

In violation of applicable laws to include FCRA violations, XXXX  and EQUIFAX replied to me in writing stating that they would treating my identity theft matter as an informational dispute as, according to FCRA regulations, I did not include a police report.
Consumer complaint received 2020-01-10
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: MoneyLion Inc. (NY)

I had filed a complaint on XX/XX/19, Complaint # XXXX, against Moneylion, because they reported me late on my credit report, as in the resolution of that claim, Moneylion stated that they would inform the credit bureuas that it was an error on their end, and have them remove the late payments. I have asked Moneylion to provide me with a letter stating as such, but still refuses to, and haven't received anything. I have uploaded my credit report, which still reflects that Moneylion hasnt amended the disastrous reporting to my credit report.
Consumer complaint received 2021-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ULRS, Inc. (CA)

Moving company moved me and stole several tools. I disputed the cost of moving with my credit card company after movers refused to reimburse for stolen tools. Dispute was denied by moving company and charge was reapplied to my credit card. Moving company sent my account to United Legal Group for debt collection. 

Debt collectors harassed me and threatened me. I provided multiple documents showing debt was paid in full. They told me they were closing my case and agreed account was paid in full. Then I received notice that my account was reported to credit bureaus
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I was checking my credit report, and discovered a fraudulent account is reporting by MACY'S/DSNB ( ACC NO : XXXX ). I contacted with Macy 's and credit reporting agencies and stated that this Macy 's account did not belong to me. Also, I filed FTC Identity theft report and submitted this document to the company and credit bureaus. The XXXX, XXXX, and XXXX  deleted this fraudulent account. After all, XXXX reinserted the fraudulent account back to my credit report.
Consumer complaint received 2020-01-10
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. (GA)

I only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XX/XX/2007. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to  post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX once my scores were above XXXX they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my tremor start. Its crazy! Please help!!
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that they have my consent to report my medical information in accordance with HIPAA laws.
Consumer complaint received 2023-05-15
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-10
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX and there were several things on my credit file that were reporting incorrectly that I disputed and they took good accounts that they had no business removing. What is going on with them??? They need to report the paid as agreed and the open especially if they are going to report negative information. This is stopping me from making a financial move.
Consumer complaint received 2020-01-10
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 only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XX/XX/2007. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to  post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX  once my scores were above 700 they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my XXXX start. Its crazy! Please help!!
Consumer complaint received 2023-11-29
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. (GA)

I trust this letter finds you well. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items associated with my account. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and frustration. 
I have reported this matter on multiple occasions, Despite your team 's efforts, the issue remains unresolved, and the impact on my financial standing is becoming increasingly severe. 

I kindly request the following actions be taken urgently : Conduct a comprehensive review and investigation into the origins and nature of the fraudulent activities. Ensure a thorough second attempt to promptly remove all fraudulent items and transactions associated with my account. 

Improve communication channels to keep me regularly informed about the progress made and the steps being taken to bring about a resolution. Provide a detailed update on the ongoing investigation. 
Implement additional preventive measures on my account to avoid any future unauthorized access or activities. 

Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the urgency of a swift and effective resolution to restore my confidence in your services. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

When I first graduated from XXXX XXXX XXXX XXXX in XX/XX/2015, I applied for the Get On Your Feet NYS Program. In order to qualify, your salary has to be under {$50000.00} a year. I met all other criteria by going to high school and college in NYS and graduated within two years. 

Navient was reporting to the NYS Get On Your Feet Program that I made double the salary I actually do so that I would not qualify. When I called several times to speak with Navient they always denied that they told NYS incorrect information. 

I am now a few years out of school and feel I lost thousands of dollars I could have saved if Navient told NYS Program my correct salary. 

I have attatched the email from NYS program where it stated I made {$80000.00}.