davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
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. (MI)

There was a XXXX card opened in XX/XX/XXXX in the amount of {$2000.00} which now carries a {$2500.00} balance that does not belong to me. 
Also, theres an account with XXXX that does not belong to me opened in XX/XX/XXXX in the amount of {$4000.00} that looks like an Installment loan. Not only is it not my account but its too old to be reporting to my bureau after 12 whole years already. Theres an account with XXXX XXXX XXXX XXXX for {$66.00} thats fraudulent as well. None of these are my accounts.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

account # XXXX XXXX XXXX is reporting inaccurate factual information on my Experian and XXXX credit report and according to the FCRA XXXX it should be removed from my credit report. XXXX is reporting the number of months ' terms as XXXX and Experian is reporting it as XXXX. Experian is also reporting date last active as XX/XX/XXXX and XXXX is reporting date last active as of XX/XX/XXXX which is inaccurate information and should be deleted from my credit reports, also the date of last payment is being reported by Experian as XX/XX/XXXX, and date of last payment is being reported as of XX/XX/XXXX which is a violation of the FCRA and should be removed immediately from my credit file. Thank You
Consumer complaint received 2022-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NY)

After reviewing my credit report, I noticed a company ENHANCED RECOVERY CAMPAN. Account : XXXX of which I had no prior associations with, alleging that I have an account with them and owed money. I sent a letter via certified mail on XX/XX/22 asking for validation of this alleged debt & I have yet to have had a response. This company is causing distress, harming my reputation & affecting my credit worthiness.
Consumer complaint received 2022-03-02
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 had my personal information stolen and i am worried about things that appear on my credit report that i have no knowledge of. Please help me understand what i need to do to resolve this. I have never used my credit before and it is already messed up i think, Now with all of these things on my report that i did not authorize.
Consumer complaint received 2022-03-02
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. (TX)

I had my personal information stolen and i am worried about things that appear on my credit report that i have no knowledge of. Please help me understand what i need to do to resolve this. I have never used my credit before and it is already messed up i think, Now with all of these things on my report that i did not authorize.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

The vehicle was bought back by the manufacturer. The account was paid in full. I have a letter from XXXX XXXX XXXX saying its paid in full. It is still showing on my credit report as open and XXXX XXXX  XXXX will not remove it from my credit report. They keep declining my dispute for a paid off and closed loan account.
Consumer complaint received 2020-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Failed to respond to remove error reporting XXXX XXXX XXXX 30 day Lates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2022-03-02
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: CITIBANK, N.A. (MA)

My Identity was stolen in two-three data breaches and has been used open credit cards. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards from CITI bank that were opened due to identity theft. I notified CITI. Made a police report. Added a fraud alert on my credit reports. I sent Citi bank documentation multiple times via certified mail which has been received and the signature card returned to me that validates I am a victim of Identity theft. 

Citi bank as of today XX/XX/2022 which is over a year I have been trying to correct this horrible act has not removed the accounts that were opened in my name with my social security number from my credit report. I have called CITI numerous times with no resolution and I am brushed off. I have requested documentation pertaining to the accounts listed on my credit report multiple times. Finally, I received documentation from CITI bank that also validates the accounts on my credit report that CITI is reporting as in default and charged off are not my accounts and CITI continues to report negative information to all three credit agencies. 


The paperwork that I received from CITI bank allowed the use of my identity that was stolen to open credit cards and commit this horrible act that is causing my credit and health to be abused because Citi bank continues to report negative information to all three credit bureaus. Attaching are documentation I received from CITI bank that verifies that my identity was stolen. The papers I received from Citi bank were two packets in one envelope one packet has a top # XXXX have multiple credit accounts attached. The next packet is labeled # XXXX. I have attached the police report that confirms that this has been reported to the police department. All the attached documents have been sent multiple times to CITI bank and they continue to disregard that I am a victim of identity theft.Citi Bank has tarnished my credit and this needs to be addressed now and corrected.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have tried to dispute the negative marks on my credit report on XX/XX/22 by sending a letter to Equifax and they have not responded within a timely fashion or at all.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX at XXXX, I called the Wells Fargo customer service XXXX XXXX ) to request a credit card limit increase, for card ending XXXX. XXXX, the bank rep, asked for three things : Stated income, debts and consent for credit inquiry. I had no problem with giving any of the information, except for the hard credit report inquiry. I requested a " SOFT '' inquiry instead and she stated she could not move forward with the limit increase until I consented to a hard inquiry. I requested to speak to a consumer complaint rep. 

XXXX, in customer relations, couldn't help either. He said the only way to increase my credit limit was by a hard inquiry, which appears, not, to be a true statement. He may not know it. 

I don't want to use the word lightly and accuse Wells Fargo of any type of discrimination, however, it seems inconsistent and some-what skeptical that after having a credit card since XXXX ( and a bank account for over XXXX yrs ) I have had the same limit of {$4600.00} since receiving the card. It's insulting! Especially so, when I have other card limits over $ XXXX, with other financial organizations. 
I know for a fact, of several family members who have received a credit increase without making a request. My husband received a generous automatic increase, that left him suspicious enough to verify its legitimacy with the bank. So, I know increases are made without a hard inquiry, or a consumer 's inquiry. My willingness to give consent for a SOFT inquiry is more than most. and my option to stay with WF bank for some long should come with more rewards than grief.
Consumer complaint received 2022-03-09
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. (PA)

Fist of off these accounts arnet mines and when i call the XXXX XXXX department they act as tho they dont know what XXXX talking about. I asked for proof of the accounts and they have yet to provide me proof that these are accurate yet they keep telling XXXX Equifax and XXXX that they can vaildate it. They are lying and reporting all kinds of information that cant be factual because if so they would have no issues reporting the same FACTS to each company US DEPT ED ACCOUNT NUMBER XXXX When looking at this account, I noticed that it has inaccurate late payments reporting. Not only are there incorrect late payments but the open date, last reported date, and payment status, comments and last active dates all vary between the 3 bureaus ( XXXX, XXXX, and Equifax ). The late payments automatically start at 120 days ... how is that possible? How can a payment be 120 days late in a row? Its 31 days in a month max and the high limit and amount for the balance is different and wrong af
Consumer complaint received 2022-03-06
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. (OH)

I checked my credit report and saw that there are 3 student loans on my credit report that are not mine. I listed these 3 accounts on a Identity Theft Report. I have reached out to XXXX, EQUIFAX AND XXXX AND LET THEM KNOW THAT THESE ARE NOT MY ACCOUNTS BUT THEY HAVE NOT CHANGED MY INFORMATION.I have no idea how i have these accounts on my profile. XXXX, XXXX AND EQUIFAX are BREAKING THE LAW because although i have disputed these items, They are in violation of federal consumer law. 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer have NEVER given EQUIFAX, XXXX OR XXXX ANY Written instructions or consent to report anything on my credit report. NO CONSENT MEANS IDENTITY THEFT. I am demanding these 3 items be removed because it isn't fair to me as a consumer and they are fraudulent accounts. If they are not removed, I will not extend my credit to anyone anymore or allow Equifax, XXXX or XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports. There are inaccuracies on these fraudulent accounts as well and these 3 consumer reporting agencies aren't reporting the same information. These inaccuracies on my credit report it has caused me to lose faith in the banking system. If Equifax. XXXX and Equifax wants to continue doing business with me then they must delete these Inaccurate accounts off my consumer report. This isnt fair to me as a consumer.
Consumer complaint received 2021-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank provided to your office misleading, false information and bold face lies in order to avoid their responsibility for violating my rights as a consumer, for crashing my credit score by recklessly disregarding and acting in spite of CARES Act. Capital One verbally manipulated me through different stall tactics to avoid my disputes claims, every time I complained, Capital One unethical bogus retaliated against, by taking adverse action, escalated my account into default status, adversely affecting my credit rating during COVID-19 pandemic my extreme financial hardship. Your office acted biased, prejudiced, by avoiding the truth, acted in favor of Capital One by closing my complaint based upon lies and false allegations made by the creditor. I am demanding to investigate my complaint based upon full records I'm forwarding now for your fair and objective review.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

XXXX of 2021, XXXX of 2021, and XX/XX/XXXX I sent certified letters to XXXX, Equifax, and XXXX demanding verification of XXXX XXXX  and all of the documentation for verification of the account to be provided to me. I sent the requests via certified mail and never received any documentation of the verification ; and the transaction was updated to include more erroneous information. 

I sent certified letters requesting the following 1. The name of who verified 2. Documents that show I agreed to pay 3. Agreement that grants XXXX XXXX authority to collect alleged debt 4. Purchase Agreement 5. My signature saying I agreed to pay debt If you can not send me this information I demand you to remove the account. If not I will be taking this into litigation for willful non compliance pursuant to 15 USC 1681n and will be expecting and invoice for {$1000.00} per violation.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

We apply for and received assistance from Louisiana XXXX XXXX XXXX. Or application has been showing the same status for 30 days waiting on information from Applicant lender which is Well Fargo. When we call Wells Fargo all we get is the transfer from one department to another then a disconnect Wells Fargo Account XXXX XXXX
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (LA)

Upon reviewing my credit report I noticed a collection account from Convergent Outsourcing. Im not sure how that is possible as I have never done business with nor have I been contacted by this company about this debt. I have never received a collection notice or right to dispute this debt notice. I dispute this accounts entirety and I am requesting that convergent outsourcing remove this account immediately from my credit reports and cease ALL collection/communication attempts. I have NEVER done business with nor have I been contacted by convergent outsourcing. XXXX
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n XXXX and XXXX  That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXXXXXX year old XXXX  PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-28
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: CCS Financial Services, Inc. (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. i have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2019-11-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I sent a letter asking for accounts on my credit to be removed. 1st letter was verified, second letter its been way past 30 days no response. I have documentation of letters being sent as well as certified mail showing they received it.
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (NY)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

I found out that a debt collection via a credit report alert through XXXX Credit Collections Services for {$100.00}. I never received a phone call or voicemail, nor I did receive any mail correspondence for this debt. Now I have a " collection '' on my credit report that I have to dispute through all 3 bureaus respectively.
Consumer complaint received 2020-04-10
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. (MS)

I've tried disputing my information with each bureau about the " 30 days late '' payment listed on my account. I've never been late on payment since I've had this account and don't plan on ever having one moving forward so I would greatly appreciate if they could correct this inaccuracy and report this data correctly because this issue is standing in the way of securing a home for my family.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I am in dispute of previously deleted inaccurate information re-inserted on my credit report, received on XXXX/XXXX/2015 from Equifax , dated XXXX/XXXX/2015 : Confirmation # XXXX : XXXX XXXX XXXX : Collection Reported XX/XX/2015. ( XXXX )