davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consume report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy along with. I demand the removal of these accounts!
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (VA)

I paid XXXX XXXX {$130.00} On XXXX XXXX 2020. The collection agency Trans World has a amount of {$110.00} I cant get them to remove it from my credit file. I told them of my rights under the consumer protection act. They don't seem to understand that they need to remove from my credit report.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I'm disputing Equifax for not correcting mistakes and not correcting Fraud mistakes on my credit report incorrect debt on all of my credit cards. And all of my Equiax hard inquiries are fraud from XXXX  XXXX XXXX too XX/XX/XXXX I have been disputing over and over and over again with Equifax and never get anywhere and no results taking care of. 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, are all Fraud made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA . XXXX. XXXX. Done by a car-salesman named XXXX, XXXX. XXXX XX/XX/XXXX. XXXX  XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Are all Fraud made by XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX LA, XXXX. XXXX. Iv'e told Equifax over and over and Iv'e disputed over and over again with Equifax and they have not fixed the matter.! They have my age of credit history wrong.! They have my Credit card use wrong.! I'm talking with the Attorney General Office in XXXX XXXX LA because I can't get the help and results that I'm looking for..
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I believe someone has been using my identity. I have had money stolen from my bank accounts, etc. I believe this website that had email me is an impostor website. ( https : //usa.experian.com ) It has all of my info. But other than this, I have had many problems with my identity. Just recently Ive had hundreds stolen out of my XXXX XXXX XXXX account.
Consumer complaint received 2023-05-26
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. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections and charge off. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Inquiries : XXXX XXXX  Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022, XXXX Inquiry Date XX/XX/2022,
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (VA)

American Express isn't the proper creditors as of XX/XX/2023, American Express has sold the debt of {$1400.00} to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX # XXXX Account number : XXXX Debt validation letter
Consumer complaint received 2020-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc. (MI)

XX/XX/2017 amount is {$3800.00}, debt was added have attempted to fix this with collection agents but will not listen and fail to prove debt is mine. This was my fathers apartment and he since filed bankruptcy and they are trying to say i owe this debt.
Consumer complaint received 2020-04-12
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. (SC)

XXXX XXXX IS SHOWING ME LATE FOR A TRUCK THAT I PAID OFF AND HAVE TITLE TO THE TRUCK. THEY SENT LETTER ME SAYING THEY WOULD NOT SHOW DELINQUENT HOWEVER THEY REPORTED DELINQUENT TO CREDIT AGENCIES BY MISTAKE. XXXX XXXX HAS NOT HELP TO CORRECT THIS PROBLEM THEY MADE. IT HAS IMOACT OM MY CREDIT SCORE. 
CAN YOU PLEASE HELP ME HAVE THEM CORRECT THIS AS I HAVE NEVER BEEN DELINQUENT. THANKS SINCERELY XXXX
Consumer complaint received 2020-04-12
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)

XXXX XXXX IS SHOWING ME LATE FOR A TRUCK THAT I PAID OFF AND HAVE TITLE TO THE TRUCK. THEY SENT LETTER ME SAYING THEY WOULD NOT SHOW DELINQUENT HOWEVER THEY REPORTED DELINQUENT TO CREDIT AGENCIES BY MISTAKE. XXXX XXXX HAS NOT HELP TO CORRECT THIS PROBLEM THEY MADE. IT HAS IMOACT OM MY CREDIT SCORE. 
CAN YOU PLEASE HELP ME HAVE THEM CORRECT THIS AS I HAVE NEVER BEEN DELINQUENT. THANKS SINCERELY XXXX
Consumer complaint received 2020-04-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi, I am facing a major issue with my credit report due to my father, brother and I having the same first and last name, previously my father has tried to apply for a car loan and it came up affecting my credit score. Today, XX/XX/2020 my younger brother tried to apply for a secured credit card and it did a hard inquiry of my credit report, please help, as I am trying to build my credit properly and these remarks keep pushing it down, I am afraid this might affect us more in the future. 
Please reach out to me I am in desperate need for help in this matter
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$9100.00} ; XXXX XX/XX/2021
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

There are two companies : XXXX XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote Experian, XXXX and XXXX and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.
Consumer complaint received 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (AZ)

I received late notices on XX/XX/21, XX/XX/21, XX/XX/21 from Wells Fargo. I had this set up on automatic payments so I could not be late, but I was late XXXX  times with Wells Fargo handling the money. They did not have a payment on the phone option, or an online payment option if you did not have a Wells Fargo bank account. I did not have a Wells Fargo bank account so it was difficult to pay my payment on time if I did not pay it weeks in advance. When I called Wells Fargo to ask why my payment was late, she said not to worry about it, that we are given a XXXX week period for the " check to go through ''.
Consumer complaint received 2023-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has agreed to pay than {$2.00} XXXX directly to over XXXX XXXX customers affected between XXXX and XXXX as part of the {$3.00} XXXX settlement. 
I've lost my home to foreclosure. The case is attached.
Consumer complaint received 2020-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

Last month me and my friend, tried to buy an XXXX throw XXXX. The scammer told us to send XXXX dollars throw XXXX. At the end I did not accept it. Later on I got inside my bank account and I didnt have XXXX dollars, on wells fargo and XXXX XXXX. So I called both banks to report it as a fraud transaction. The next days when my friend told me that he did made the transaction. We went to the police station, we contacted XXXX but they told they would not be able to do anything. 

At the same time XXXX XXXX answered me saying that they could not process my claim so I would not get my money back. I expected the same from Wells Fargo. So we did not change our claim. 

Days pass and we recieved an answer from wells fargo saying they would not be able to refund me the money. 

So this is my last option.
Consumer complaint received 2020-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Razor Capital, LLC (PA)

XXXX XXXX XXXX sold my account to razor capital a debt collector. Razor capital/XXXX XXXX had account through XXXX XXXX XXXX. When I went to pay agreed payment amount, XXXX said account was closed and couldnt tell me anything. Never received anything saying debt was still owed. Then went to sell my house and it says razor capital has a lien on it. Call razor capital and they tell you I owe and tell me to call XXXX XXXX  and XXXX another collector. Call them and they say if and when they get the account they can tell me how to pay. Had the real estate lawyer call and they get the run around as well. They got a letter from razor capital saying how much I owe ( XXXX ) but not how to repay it. They dont give you any way to get the lien off of the home so that I can sell it. Im only getting what is owed on the house Im not making money off of it. They will not tell me how to get lien off. I have called numerous times in the last 4 months or so and still get the run around. When I did the court agreement to pay {$25.00} a month which I did until they closed account it never said anything about a lien. I believe the account was closed and the lien should have been taken off. I co-own the home with my ex as well. So I dont know how they can have a lien on something that is not all mine
Consumer complaint received 2020-04-12
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. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I had a Capital One Quicksilver Credit card that I missed 5 payments on. This was due to one I had moved from XXXX to XXXX in XX/XX/2019 and the statements were not forwarding to my new address. In addition, I thought that I had paid the balance off. There was one XXXX $ owed and not including over XXXX $ of late fees I received in that time. Once I became aware of balance and late fees I immediately paid off the entire balance. In addition, I called capital one and spoke to them about the issue and that I had paid off the balance and they ensured me that they would remove the delinquent marks for my credit reports. This was over six month ago.
Consumer complaint received 2020-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

see attatched XX/XX/2019 statement confirms on XX/XX/XXXX, XXXX posted a credit of {$200.00} & {$280.00} USAA posted Temporary Credits THERE CAN NOT BE 2 CREDITS FOR ONE PURCHASE!!!!!! ON XX/XX/XXXX AND XXXX ALREADY GAVE THE CREDIT. ( see XX/XX/XXXX Adjustment Purchases ) THESE ARE TO BEGIN A FRAUD INVESTIGATION** AFTER THE MERCHANT PAID**.??? These are NOT MADE PERMANET & on XX/XX/2019 USAA FRAUDS ME CREATING PERMANET NEW CHARGES {$200.00} & {$280.00} FOR WHAT WAS JUST PAID **REVERSING MERCHANTS CREDITS CLAIMING they are usaa 's. 
*** USAA STEALS MERCHANTS CREDITS LEAVING CONSUMER WITH THE FRAUD MERCHANTS COVERED. ***
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (IN)

I had an inquiry pop up on my report CHRYSLER CAPITAL for an auto loan account ending # XXXX ... ... I have never done business with them its unknown to me. Its preventing me from buying a home.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

My account was hacked on XX/XX/2020. I have been getting robbed hundreds of dollars from multiple gas stations across XXXX California. I currently live in XXXX, five hours away from the XXXX XXXX county area and they are taking my money from there. The first incident was onXX/XX/2020 in XXXX CA from XXXX # XXXX. They removed {$100.00} from my account. On the same day, they removed {$120.00} from XXXX, CA from XXXX XXXX. On the same day, they also remove {$73.00} from XXXX XXXX XXXX XXXX. On the same day, they also removed a {$120.00} from XXXX XXXX in XXXX. All of this is on the same day and keep in mind I made a transaction later throughout the day in XXXX, the grocery store in XXXX. I was all the way in XXXX when they hacked my bank account until they left me with nothing. On XX/XX/XXXX, they stole a total of {$100.00} in gas in XXXX XXXX XXXX, XXXX CA and {$120.00} from XXXX XXXX in XXXX, CA. In XX/XX/XXXX, {$99.00} from XXXX XXXX in XXXX, CA. On XX/XX/XXXX, again from XXXX, XXXX XXXX, another {$99.00}. In XX/XX/XXXX, another {$330.00} from XXXX California XXXX XXXX. This was an ongoing trend that continued until they left me in XXXX dollars in my account by XX/XX/2020.
Consumer complaint received 2020-04-11
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. (LA)

On XX/XX/2020 I filed a complaint # XXXX with CFPB as follows : ( QUOTE ) I am in the process of obtaining a residential mortgage. On XX/XX/2020 I attempted to unfreeze my Equifax credit history via myequifax.com. I had called Equifax earlier that day for assistance and was advised by their XXXX call center to us myequifax.com to obtain my credit report and to unfreeze my history. I was unable to access the website which displayed a phone number to call. I called the number and the person I spoke with advised me to fax my passport and drivers license with a cover letter to XXXX which I did on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Equifax advising I needed to submit copies of my passport and drivers license to verify my identity. I called the XXXX call center who verified receipt of my fax on XX/XX/XXXX and that my identity was confirmed. The representative offered to unfreeze my credit history which I declined instead requested assistance to access myequifax.com. He transferred me to the help desk which I was on hold for over four hours without result. On XX/XX/XXXX I called Equifax at XXXX when they opened and spoke to XXXX who said he was a supervisor in the XXXX call center. He advised they were unable to verify my drivers license copy and that I would need to resubmit my documents. I should note that when I tried to fax on XX/XX/XXXX it took hours as their fax line wasn't working correctly. At this point I am hopeful the CFPB can lend assistance as it appears Equifax is running me through a gauntlet as a punitive measure because I have a security freeze. Thank you for any assistance. ( UNQUOTE ) On XX/XX/2020 Equifax reported via the CFPB portal that their investigation was completed and that they had temporarily lifted by security freeze and that I would be able to access my credit history via myequifax.com. On XX/XX/2020 I attempted to login to myequifax.com and again was unable to access the website which still displayed the Equifax XXXX call center phone number.
Consumer complaint received 2020-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (LA)

Vance and Huffman LLC is reporting on my report in the amount of XXXX $ I believe. i have never received a dunning letter in regards to the debt or why they are on my report. I have never heard of this company nor have I ever done business with this company before. I would like to know why they are reporting on my report without first notifying me and to provide sufficient legal documentation in regards to this alleged debt.
Consumer complaint received 2020-06-12
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. (CO)

I paid off my debt in XXXX of 2018. They are showing it still in collection. There is and has been a zero balance for over 2 years.
Consumer complaint received 2020-04-12
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. (MS)

I have an account that was paid as agreed and in return the company would remove all the late payments due to being laid off from my job at the time but the company failed to do their part.
Consumer complaint received 2020-06-12
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. (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.