davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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. (KS)

XXXXXXXX XXXX  ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX THis account has re-appeared on my credit report. I filled a dispute in XX/XX/XXXX due to the fact this account was not mine. The account was removed from my report on XX/XX/XXXX but it has now re-appeared. I have attached a copy of my report showing the account removed and a copy of my report showing the account reappeared.
Consumer complaint received 2016-01-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus held 3 months ( XXXX - XXXX of XXXX ) mortgage payments in a suspended account while they processed the " Keep Your Home CA '' funds for the purpose of completing the recast aggreement. This took them 6 months to complete. During this time I received Foreclosure Warnings on a weekly basis and my credit score dropped over XXXX points. They reassured me that when the recast agreement was completed that this would be corrected and the funds held in the suspended account would be applied. The recast agreement had the wrong escrow balance but they threatened me that if I did not sign it as is that they would return the funds. Now my credit report continues to display that I am 30-90 days late on my XXXX and XXXX payments and displays ND for the months XXXX through XXXX XXXX I made my XXXX payment but they applied this to my Principle saying I am not due until XXXX to make the next payment. They have not sent me a statement showing that they applied this payment to my pronciple although I have requested XXXX. I put in a dispute with XXXX and Seterus responded the first time stating that I had foreclosed on the loan. The second response to the next dispute was that I was late on XXXX and XXXX payments and No Data on the following months through XXXX of XXXX
Consumer complaint received 2021-12-14
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)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2017-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I contacted this company on 3 different occasions requesting that they delete the a bankruptcy that they are inaccurately furnishing on my credit report. Despite my very specific request the company continually handles this matter grossly negligent. Besides the fact that this public record is not correct I contacted the Attorney General in reference to this matter and was advised that effective XXXX/XXXX/XXXX that because the large amount of errors that the consumer reporting agencies furnish in regards to public records that any record that does not have qualifying identifying information such as name, date of birth, social security number, and address must be deleted. I was also informed that a company called XXXX XXXX provides the inaccurate information and since then I have froze and suppress those records as its my right. The record that is being reported does not have any of the qualifying information. I was asked to provide a copy of my identification I did that over 2 months ago and to no avail has this matter been resolved. I am prepared to use all the correspondence I have attempting to resolve this matter and file a lawsuit. I will seek monetary damages in the maximum amount allowed by my state. This inaccurate record is causing an unnecessary hardship.
Consumer complaint received 2023-04-18
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. (NY)

Hello good afternoon, I had an auto loan with XXXX XXXX XXXX in XXXX which has been satisfied in full, unfortunately the account is continuing to show up on my XXXX, XXXX and Experian credit reports as charge off. I satisfied the debt of the charge off in full and would like this account removed from all three ( 3 ) of my reports as it is impacting my credit score negatively.

Thank you.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After checking my credit report i noticed these credit agencies and this company are in violation of my law and my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681-602A states I have the right to privacy XXXX15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2017-11-09
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: WELLS FARGO & COMPANY (GA)

Hello I sent a Certified Letter on XXXX the XXXX 2017 to  Wells Fargo asking them to provided documentation of my debt and account with my original signature. They have not provided this information but have a account reporting on my credit report monthly that is not mines. It 's been over 45 days and no verification. I would like this Wells Fargo account removed from all 3 Credit report immediately
Consumer complaint received 2017-11-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX XXXX paid XXXX XXXX XXXX XXXX XXXX using his XXXX with bank of america. Vendor has dirty hands engaged in a pyramid scheme. There was no contract. Vendor is a pyramid scheme which bribes new customers to bring in new customers. Pyramid schemes are illegal. Vendor admits it does not know what it offers because vendor does not monitor what it has allegedly to offer. Vendor claims it has all courses and all tests. In fact materials proffered are stolen from third world dictionaries and encyclopedias in XXXX and other third world countries. Because vendor has nothing to offer but materials it steals and plagiarizes, XXXX got nothing at any time. 
Bank of America XXXX XXXX refuses to dispute this charge and timely credit because he accepts there was a contract. Instead of dealing with issues, XXXX keeps misrepresenting that he did not get responses to questions he sent XXXX when he did get the responses from XXXX because cfpb forwarded XXXX 's responses. 
XXXX requires boa to credit or XXXX will sue boa but for sure XXXX will not keep answering these same questions over and over. help me get permanent credit NOW.
Consumer complaint received 2022-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Garner & Conner, PLLC (TN)

I received several debt collection letters from the debt collector. The most recent one dated XX/XX/XXXX XXXX letter states that I owe a total of {$4900.00}. The credit card was opened without my consent I assume many years ago before XXXX possibly XXXX as I was a victim of identify theft during that time. The debt collection letter changes each time and I states four different amounts that I owe. {$4900.00}, {$3200.00}, {$390.00}, and {$2800.00} Which is quite concerning for me. I reached out to the original credit card company to get more information about the account and the account could not be found. I also provide my social security number and an account was not found. I responded to the creditor with a debt validation letter to validate their claim against me. The have never responded. My most recent letter was sent on XX/XX/XXXX. I continue to receive letters pertaining the amount only. They will not validate the debt or any information. The credit card number is non-valid, fraudulent or the debt collector does not have correct information and therefore will not respond to my letters with proof. I understand that Failing to respond to a Debt Validation Letter while continuing to collect on the debt is a direct violation of the FDCPA and I like to report them.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (GA)

On XX/XX/XXXX I put in a fraud claim with XXXX XXXX Bank for a charge of {$10000.00} that happened on XX/XX/XXXX from a merchant that I have never done business with. I was given a fraud claim number of XXXX. XXXX XXXX Bank Credited me back the money on XX/XX/XXXX and also sent me a letter stating that. They also sent a letter stating that I received services from said company but never provided any information or any paperwork on that company.
Consumer complaint received 2019-07-30
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. (MS)

Please reverse the late payments reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2021-12-14
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. (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX OPENED : XX/XX/XXXX XXXX. 3500.00 XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX
Consumer complaint received 2017-11-09
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. (NC)

I have disputed this account with Experian again and again and their response is always the same Verified. I have disputed the accuracy in the reporting, I am not sure how you can say this this account was verified of being accurate just from a click of a button. I have asked in which ways did they verify this account and I am still waiting on a response from them. I understand now that verifying an account is a simple process of pressing a button and the company responding back with another click of the button through automation as verifying the account. Well that 's not verifying the accuracy of an account and by law the account must be reporting accurately and verified by law. I have n't received an accurate dispute on this account by law. I want this account removed from my credit report as a result of not fully investigating the accuracy of reporting.
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (CA)

I have received XXXX notices from this company called Debt Recovery SolutionsLLC. 

I was informed through the letter that they had bought my account with a bill from XXXX with a bill of some amount of money. i didnt take action. They sent me another letter later that is shown through the attachment. They asked me for about {$340.00}. I called them and before they asked me to say my last XXXX digits of ssn, they said my last XXXX digits and asked me if it was correct. After i asked a few questions i hung up and started to have suspicion because of few reasons. 

1. I was a XXXX customer but right now when i received the letter i am a XXXX customer and i had payed off the rest of the bill. 

2. It was weird they knew my last XXXX digits of ssn even before i said it. 

3. I had businees with XXXX NOT XXXX. I didnt ever owe anything to that company. 

4. When i called them and told them that i would report them they threatened me about my credit score.
Consumer complaint received 2023-05-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (FL)

A woman got into my cash app and stole all of my money. Sent {$530.00} of my money to herself. I have reported to cash app and nothing is being done about it. I have been hung up on, denied access to a supervisor or manager multiple times. They were suppose to start an investigation but I can not seem to get any information about if the investigation is happening or any updates on my case. The case number for my cash app investigation is XXXX. The money that was stolen was the rest of my rent money and I am now facing eviction because of this matter. They keep saying they have no information or updates about it. I have not only researched the lady 's cashtag that she sent my money to but also found her XXXX and found her email address. Her location and also have evidence from her relatives and close friends that she has done this to people before. Which I have also submitted to cash app. When this happens to other customers they issue a provisional credit while the investigation is ongoing, not only will they not issue me a provisional credit but they will not answer my question as to why I can not receive one. When they finally did they said certain criteria of my dispute has to be met. So I asked what do I need to receive it and now they will not answer me at all. Can anyone someone please help me. I have all the evidence. Every transaction, time and date. I also have where it was reported that my cash app was accessed by a new device in another city I have never been to. Also the location is where the last lived who done this to me. Cash app will not help me on this matter or give me any information regarding my case. My name is XXXX XXXX. If anyone can please reach out to me and help me on this matter. I have a XXXX XXXX XXXX daughter and a XXXX XXXX XXXX son. I am a single mom, I can not be homeless with my kids because cash app will not investigate or issue the provisional credit like every other customer. I have no family or friends nowhere to go if my kids and I get evicted. I literally have proof from friends and family showing that they issued them provisional credits when things like this happened to them. I don't understand why they are treating me like this. No one will answer my questions through the cash app support over the phone, the app, or the email. They keep making me answer the same questions and will not give me ANY info about my case or why I can not receive a provisional credit. Please help me? I was told 2 days in a row that I could not speak to a manager or supervisor, I called multiple times each day. I emailed. I contacted cash app support both through phone and the app. Please help? I have any and all the evidence ready to go. This is heart breaking and making me feel like I am not as valuable as every other customer or human being. I asked to file a complaint and the rep hung up in my face. Please help.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to remove an unauthorized inquiry that I have already disputed several times. I am also writing to invoke my specified remedy for the damages done to my life by Transunion. The damage done to my credit report and credit score due to the inquiries that were on my credit score hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a natural person, and have affected my XXXX XXXX due to the financial hardships. The abusive practices of elaborate mechanisms who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a continuous and constant struggle and nobody should have to go through the XXXX XXXX and worry of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$22000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$22000.00}. The civil liability sections under the Consumer Credit Protection laws that I have added into the letters, protect me as the consumer and hold Transunion liable to providing me with monetary remedy for the misrepresentation, abuse, deceit, and damages done.
Consumer complaint received 2021-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (WA)

I give authorization for Ally to move forward with this complaint. I bought a car and received a loan from Ally on XXXX of XX/XX/XXXX. On XX/XX/XXXX, 2021asserted my rights as a FEDERALLY PROTECTED CONSUMER. 
I sent Ally a NOTICE OF BILLING ERROR in the amount of {$7600.00} requesting all documentary evidence of the accounting since the inception of the promissory note/retail installment contract. As a result of this notice of billing error and a negotiable instrument that was sent in, ALLY restricted my account demanding that I pay certified funds for 6 months in order to pay the loan, and preventing online and phone in payments. This is causing extreme stress and undue hardship at this time, in addition to be illegal adverse action under a notice of billing error.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

On XX/XX/2020 capital one reported I was late on payment.When it is on auto bill they tryed to pull the payment but it was rejected they did not notify me that it was rejected. I talked to the manger of company and he insurance me it would be removed because it was there fault. now sense then I can not get a mortgage because this late mark and the company will not help me
Consumer complaint received 2015-04-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

i had equifax credit monitoring i cancelled it, since they refuse to send me my credit reportafter sending them my identfification information like social security printouts, id cards andcredit cards bills, medicare cards copies of all with my XXXX XXXX XXXX on the informationfor all documentsw sent including the irs document of identiy theft declaration. i have calledthem on a number given to me by the FTC answered questions that only i would know, ibeleive thier employees are involved in a fraud operation or doing identity theft to consumers other agncies there is no problem getting my report, it has been 14 monthsand a total of XXXX spent trying to get my credit report.