davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (GA)

I have been trying to get copies of my free credit report from the 3 CRA 's for the past 3 weeks now from annualcreditreport.com but keep getting error messages when it tries to process my request through their system. 

All the information i provided was correct and accurate. 

The site suggested that i call in and have the reports mailed to my address, so i did that and still have not received anything. 

See attached.
Consumer complaint received 2021-06-16
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: MARINER FINANCE, LLC (TN)

I informed the company that I did not apply for a loan of no sort and that I am a victim of identity theft. The company then assume that I gave permission over the phone for a nephew to cash a check or get the loan in my name. First of all, I am not going to give anyone permission to use my credit being a victim of identity theft and over the phone id definitely insane.
Consumer complaint received 2021-06-16
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: CITIBANK, N.A. (NY)

CITI XXXXEvaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.

XXXX XXXX XXXXXXXX -I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXXXXXX XXXX You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX XXXXXXXX XXXX - You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-17
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. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion XXXX XXXX has been reporting false information which have n been validated on my consumer report under and is in violation of 15 usc 1681 ( 2 )
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

My PayPal account can't log in, because I didn't log in to XXXX for a long time after I went abroad, XXXX deleted my email, I used XXXX phone, so I couldn't verify my phone, my money was in PayPal, but for a long time, I couldn't log in to my PayPal account My PayPal email XXXX XXXX
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have had it up to here with the utter incompetence and negligence of credit reporting agencies like yourself. It is unfathomable that I have to go through the trouble of filing a CFPB Complaint just to dispute the rampant inaccuracies on my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on credit reports is not only accurate but also up-to-date. Yet, here I am, having to request that you investigate these erroneous accounts and make the necessary updates to rectify the damage you have done to my credit score. The following accounts are not just erroneous, but they are outright erroneous and have no business being on my credit report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX XXXXXXXX Balance Owed : {$0.00}. I have included a copy of the dispute letters I previously sent highlighting these erroneous accounts for your reference. I expect a prompt response and immediate action to remove these accounts from my credit report within the next 30 days, as stipulated by the FCRA. Your blatant disregard for the accuracy and integrity of my credit report is unacceptable, and I will not hesitate to take legal action if necessary. Get your act together and do your job properly.
Consumer complaint received 2021-06-16
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: WELLS FARGO & COMPANY (MD)

Wells Fargo Bank opened/authorized an individual credit card account for someone - NOT ME. 
Wells Fargo Bank then started reporting this new account and it's limit/balance on that persons credit reports and they ALSO started reporting this information on my reports as well. I did not apply for this account and am not attached to it in any way, yet it is being reported on my reports that I am responsible for this account. 
I contacted Wells Fargo when this was noticed years ago, and was treated like this is MY mistake, and my problem to solve. 
I have repeatedly contacted Wells Fargo & the credit agencies to dispute this and have it corrected. Wells Fargo continued to state I was responsible for this account, so the agencies would not remove the incorrect information. 
I most recently again contacted Wells Fargo in XX/XX/2021. 
This time they admit they were wrong and " noticed inconsistencies with account information reported & would request to update their records and have the account that does not belong to you removed. '' WOW - Exactly what I had been saying from the beginning. 
This incorrect reporting has negatively impacted my ability for financing approval and rates I receive. My credit score had been lowered by over 25 points, and looked like I had {$6000.00} more debt that I really actually owed. 
How will Wells Fargo be held accountable for not correcting their admitted mistake in a timely manner and continuing to affect my financial stability/ability for years?? 
Wells Fargo should have to feel the effects of a mistake like this - I have had to. 
I have numerous names and dates of Wells Fargo customer service reps and also their research and remediation analysts who were anything but understanding or helpful during this ENTIRE process, they were extremely rude and condescending, even after they admitted the bank was and has been WRONG! 

Due to this format - additional documents and information will/can be provided once I am contacted. I don't want sensitive information floating around.
Consumer complaint received 2021-07-04
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC (LA)

I was going to purchase a used truck from the dealership and they had me with a predatory loan lender amongst the fact the truck had a critical engine failure and internal damage to the cylinder and head. The dealership knew the truck had these problems and still tried to make me take this vehicle with a lender who tried to charge me 30 % interest rate. My husband who is XXXX and in a wheelchair and myself brought this vehicle back to them and told them they can not make me take a vehicle that has this major problem and expect us to pay for it when you knew the vehicle had these major problems before they tried to sell it to us. Than the lender they put me with has been sued for being a predatory loan lender. The vehicle was returned 3weeks after costing me about XXXX and being told how bad of a shape the engine was in.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am resubmitting this complaint today to follow up on my previous communication dated XX/XX/2024. As per FCRA Section 605b, Credit Reporting Agencies are mandated to remove any items listed on an identity theft report, specifically under reference numbers # XXXX and # XXXX. Enclosed, please find the attached documents to facilitate the removal of erroneous items and fraudulent accounts that have been posted to my reports. The list of items per bureau, which do not belong to me or were opened without my permission, is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial (VA)

West Creek Financial on XX/XX/2020 report an account as an Closed/Charged Off on my Consumer Report and this is a violation of my Constitution Rights. For 15 USC 1681 ( b ) ( A ) ( 2 ) states " Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. '' I never in no way shape of form gave West Creek Financial permission to present any Consumer Report on my behave so i want this this reflection report from them removed immediately.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

The Covid-19 Pandemic, and my subsequent layoff, had me fall behind, but since then, I have regained employment and financial security. I have had a spotless record of on-time payments. The debt has been paid in full. I now can not buy a home based of these missed payments. 

I wrote a letter of goodwill, no response.
Consumer complaint received 2022-09-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 canot furnish a account without my written instructions.

15 U.S.C 1666b A creditor maay not trat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Prior Investigations have taken longer than 30 days, this is also violating my rights.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (GA)

I have made numerous attempts to contact Homebridge Financial Services, Inc regarding my escrow refund in the amount of {$2300.00} since XX/XX/XXXX and they refused to send me the refund. Instead they have forged my name on the back of a check that I never cashed and they refused to provide the banking information where check was processed. I have repeatedly spoke to numerous reps that admitted check was not cashed or submitted to my residence. During this process I spoke to several representatives on : XX/XX/XXXX, spoke to XXXX employee # XXXX stated check was mailed to XXXX XXXX XXXX XXXX but was never cashed and she submitted request to reissue check. On XX/XX/XXXX, I spoke to XXXX at extension XXXX, which stated check was never cashed and she completed a form to expedite check to be mailed to my residence in 10 days. On XX/XX/XXXX, I talked to XXXX she stated see previous notations from other representatives in her organization that check was in process to be mailed. On XX/XX/XXXX at XXXX XXXX I spoke to XXXX XXXX XXXX through email she stated check was mailed on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX, she verified that the check has not cleared and would like to proceed with it being reissued to my residence. On XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX stated she received a call that check was cashed and cleared on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX stated according to your Servicing Accounting Department the check was cashed by XXXX XXXX, a subsidiary of XXXX XXXXXXXX XXXX XXXX. Then, XXXX XXXX XXXX stated if check was cashed by someone else other than myself, I need to file a police report and submit to Homebridge Financial Services , Inc, so she can complete fraud paperwork. I filed a police report and submitted document to Homebridge Financial Services, Inc office. I am requesting assistant to resolve this matter.
Consumer complaint received 2021-06-15
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 have been trying to remove incorrect information from my Equifax credit report for the last 2+ months. I filed online disputes on XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021, and in none of those cases were the errors corrected to my satisfaction. 
I also called the customer support line twice on XX/XX/2021, but was unable to properly initiate a dispute due to their systems being " down for maintenance ''. 

In all of these cases, I was unable to get incorrect names, date of birth, SSN, addresses, and credit accounts completely removed from my account. 

With the exception of the XX/XX/2021 dispute, I never received a readable document showing the results of my disputes ( the PDF files provided were consistently corrupted ). I have had to use my allocation of 6 free credit reports to view an update, which is how I discovered the consistently incorrect Further, the result of the XX/XX/2021 dispute resulted in my previously correct current address and date of birth being changed into *incorrect* information.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NH)

I received an automated phone call telling me that my Amazon Visa card had a {$340.00} purchase made on it. If I didn't make this purchase I was to call XXXX and report the problem. The call was close to noon time. I called the regular Amazon customer service number and reported this other call. The woman from the real Amazon wanted me to notify you.
Consumer complaint received 2023-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Fraudulent pull of my credit report : XXXX inquires XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX XX/XX/22 Transunion inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/22
Consumer complaint received 2021-06-16
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-06-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX, XXXX, and XXXX. The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Credit Bureau Association does not have any documentation, they need to retract this from my credit file immediately
Consumer complaint received 2021-06-16
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. (FL)

I AM XXXX XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing with the bureaus on XX/XX/2021 ; there have been multiple accounts reporting inaccurately that I have been trying to get removed and repaired. Since the bureaus didn't send me anything within the 30-45 days, I sent another dispute on XX/XX/2021 and still haven't received anything. So now I am filing this complaint but the lack of responses from the bureaus is getting very frustrating and delaying the process for me on other items!
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: United Funding Logistics, LLC (IN)

Called United funding logistics On XX/XX/XXXX XXXX Spoke with CEO XXXX XXXX I had explained my situation and other companies that I have tried and nothing was done, XXXX XXXX promised me his company will get it done in a timely manner. 
XXXX XXXX assured me I would not be treated tye same and would get my problems resolved and jot to pay off any debit not to do any negotiations send everything through there office in which I have. 

No lawsuit has been filed against XXXX XXXX. 
Nothing has been removed other than what ai have disputed, I have calledthe bureaus and asked how many hard copy disputes they have received in my name 1 from all 3 bureaus the rest have been done on line by me. 
I have called left multiple messages 1 returned call from XXXX stating she will personally hand this to XXXX XXXX. 
No call back nothing done and the promise I was given was recorded, I want what I was told would be done in a timely manner.its been 8 months and nothing has been completed by this Company. 

I would have already been done with a bank rupt proceeding and was Instructed do not do that we will get this fixed. 

I could have paid some of these off even though these belong to exwife and no validation has ever been done of zny debit in my name other than 100 % satisfied accounts. 
Always a excuse as to why nothing g is done but is on XXXX XXXX advertising his business and they are signing up by the thousands while the ones before get left behind. 

Let 's resolve by working together and get it done.