davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
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. (GA)

I have disputed this account with XXXX XXXX XXXX and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted SLS with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that XXXX XXXX XXXX XXXX did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/XXXXXXXX  I was arrested and taken to custody where I made the mistake of calling XXXX XXXX XXXX to get my own bailout and paid upfront for prepaid services of {$1000.00} plus {$15.00} processing fee which I agreed to. Then in late XXXX, out of nowhere, without me knowing, I had a Hidden Junk Fee for {$250.00} which I had no knowledge because this was never disclosed to me, for fees I never agreed to. Which I tried multiple times resolving with AWA Collections who are really a Pain, I ask to prove me I owed {$250.00} ( now about {$270.00} ) when my service with XXXX XXXX XXXX  was prepaid and paid in full upfront, before I could get bailout. My case was cleared by the court of law on XX/XX/XXXXXXXX  when I was XXXX  from the court of law. I dont recognize thhid as mine because my service was prepaid paid full upfront. XXXX XXXX XXXX  is not clear and upfront with the services they offer hiding fees to consumers which they must be disclose to consumers before they make the contracted service.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have sent multiple disputes informing Equifax of the inaccurate information that is being reported on my credit. They have knowingly violated my rights by not following the proper procedures and continue to report the inaccurate information. All communication to them is attached.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have disputed this account with XXXX XXXX XXXX and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted XXXX with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that XXXX XXXX XXXX XXXX did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.
Consumer complaint received 2018-02-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

I've been noticing that my bank Wells Fargo changes transactions dates and hold payments in order to charge overdraft fees. This is a pattern that is costing me hundreds of dollars monthly. I do not recall giving them permission to provide me with overdraft protection and when I try to revoke any permission in my online banking account site it only allows me to give them permission to provide me with overdraft protection. This is not the first time that I encounter this situation with this bank.
Consumer complaint received 2023-08-21
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

First I want to thank Equifax for respecting my privacy, and removing items that violated my privacy. I would greatly appreciate if you remove accounts associated with my bankruptcy. I would like as well to go over my credit score. Thank you
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
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. (MO)

XX/XX/2023 Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 5 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX credit bureaus with these accounts listed below. 

XXXX XXXX I have now pointed out the mistakes so these accounts need to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that Transunion, XXXX, XXXX all XXXX the XXXX above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you to delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (MO)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.
Consumer complaint received 2018-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

On multiple occasions between XX/XX/2018 and XX/XX/2018, Quicken Loans employees called me to discuss my loan account. During the conversations the employee was accessing Quickens confidential customer database and had all of my and other consumers personal and private information available to her on the screen, including mine and others social security numbers, date of births, banking information, assets, application data, basically everything Quicken had available on their customers the employee was accessing on her computer. 

The only problem we have with that, is that the employee XXXX XXXX XXXX was NOT at Quicken at all, not behind their firewall, not secured under their required compliant servers, rather the employee admitted she was actually accessing my data at her house!! That is, from her unsecured, unencrypted, non-static home internet connection. She ONLY admitted this to me AFTER hearing dogs barking I asked the employee if they were aloud to bring their dogs to work? She sheepishly admitted she was accessing my files from her house. I asked her to NEVER bring my personal information up at her house again, she agreed not too yet a few days later, once again she was accessing my personal data on her home computer ...
Consumer complaint received 2020-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute letter to Transunion signed and post dated XXXX requesting that Transunion investigate and remove three ( 3 ) inaccurate items reporting negatively on my Transunion Credit report. Within this correspondence I cited the Fair Credit Reporting Act, Section 607, requesting that they ensure maximum accuracy of the information contained in my credit report. 
As of XXXX I had not received any acknowledgment or update on my dispute and the inaccurate negative items remain on my credit profile. On the aforementioned date I also sign and mailed an additional letter post dated XX/XX/2020, requesting the validation of the debt listed on my credit report Under the Fair Debt Collections Practices Act ( FDCPA ). In this correspondence I too noted that Transunion had not completed an investigation within the 30-day time frame as required by law and demanded that they delete all disputed items from my credit report.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (NY)

I opened a Credit Builder Plus loan with money lion in 2021 for {$500.00}. It has been a nightmare. I had tried to pay off the loan to close the account ( which charges a fee ) and the app would not work. I called, and they said I couldnt close the account due to a balance and they gave me an incorrect balance, stating I missed payments. It should not take over a year to pay off a {$500.00} loan, and their loan payoff practices are extremely shady. 

In addition to the above, they have an XXXX feature. I used the feature a couple times, and then it got hacked. I attempted to contact their fraud department, and they just sent me a form to email back ( XX/XX/2021 ) .They denied my claim, and I had to close my checking account that Ive had for over a decade to prevent further money being taken from my account to repay those instacash advance payments.

Now, Im again trying to close this account. Ive already reported it to the credit bureaus. They are not letting me close it because I have an XXXX balance from the fraudulent activity ( which I am not willing to pay ). 

Ticket/support reference IDs : XXXX and XXXX for all relevant information
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a few inquires on my reports that I didn't authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
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: PayTomorrow, LLC (SC)

XX/XX/XXXX someone took a loan out with pay tomorrow in my name and borrowed money or bought merchandise.Ive contacted them in the past about this issue and I got hung up on twice, and cussed at once.I told them this isnt my account and that they need to verify people before granting them money or credit, and now I got a alert from XXXX saying this is on my credit profile.It shows on my consumer report that last payment was in XXXX of XXXX why wait two years to put this on my consumer reports? Im wanting this deleted immediately
Consumer complaint received 2021-10-19
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: EQUIFAX, INC. (UT)

Rise account was opened in my name years ago via identify theft. Report was filed and company absolved me from the debt and verified it was fraud but yet continued to sell the debt to collection agencys who is trying to collect on this debt that isnt mine currently. They readded this identify theft under the new collection agency.
Consumer complaint received 2023-05-23
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)

This is in response to CFPB complaint XXXX with Transunion. I asked for you to remove an account from my credit report and you instead updated it. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2019-04-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CA)

In XX/XX/XXXX I was awarded two private loans through XXXX XXXX, with the agreement to pay {$50.00} a month for both loans. I was accepted to XXXX XXXX University for a XXXX XXXX  program. Before my first semester was over my boyfriend XXXX XXXX. He XXXX  himself in the garage and I found him. Due to my mental state my sister handled me withdrawing from the program. Now it is XX/XX/XXXX I am back in school working towards a degree in XXXX  to help people effected by XXXX. I currently owe XXXX XXXX around XXXX for a loan I never used. I have tried asking them multiple times for more information or resources to help my situation, with the result being futile. I do not want sympathy just simple fairness, as I do not think I should owe XXXX and growing on a loan I never used.
Consumer complaint received 2018-04-19
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. (SC)

I have tried on several occassions to resolve the removal of account of my report, they keep saying they investigate but never provide any details as to whom and what was provided to them showing it belongs to me, in which this account does not belong to me and should not report as collections. 
1. XXXX XXXX XXXX {$6000.00} is a debt showing from XXXX which is not listed on any of my CBR reports. This account does not belong to me, I called XXXX XXXX and disputed this acct and advise never had a car for this company they refer to XXXX XXXX whom claims this has been closed and statue of limitations has run out since from 2012, this account needs to be removed off my CBR, When I called XXXX which is part of XXXX XXXX they have no record. So not sure where they are getting the information this is mine, I have requested a numerous times proof of debt, proof of possession, signature card, this account has been open via fraud by the car company XXXX XXXX XXXX XXXX and I never took possession of the car that they are stating belongs to me.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MD)

Someone opened a Chime account in my name sometime around XX/XX/2023. I received an email notification of an unexpected login and contacted Chime. The phone number associated with the account was not my own so I could not reset the password. They marked the account as fraudulent and closed it. They spent 30 minutes refusing to do anything but direct me to their website and would not provide additional information. Eventually I forced an escalation to a supervisor and put a fraud alert on my credit report as well as submitting an FTC complaint. I was told that a Chime account can be opened without identification.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I contacted Portfolio Recovery XXXX XXXX on XX/XX/2022. I spoke with their representative XXXX XXXX. We agreed to settle the following account : Original Creditor : XXXXXXXX XXXX XXXX 
Creditor to whom debt is owed : Portfolio Recovery XXXX XXXX Original Balance : {$16000.00} Settlement Agreed Payment : {$10000.00} XXXX paid the settlement agreed payment while on the phone with XXXX XXXX. It cleared my account on XX/XX/XXXX. I've attached the settlement letter and my bank transcript. 

This past week I got an alert from XXXX that I had a balance change on this account. It lists a partial payment of {$10000.00} and a balance owing of {$5800.00}. I've attached a copy of the report. I spoke with a representative of XXXX XXXX who did not give me a clear answer as to why it was reported this way. 

The payment I made on this account was a settlement ; not a partial payment. At a minimum this is an error. At the maximum this is unfair and deceptive and a possible violation of the Fair Credit Reporting Act. I ask the CFPB 's help in correcting this.
Consumer complaint received 2019-10-09
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. (TX)

Experian sent me an email notice about a derogatory report of a 90 day past due collection account by " XXXX XXXX XXXX '' in the amount of {$310.00}. 

I called them and was told they had no idea who I was and had no record of any kind in connection with my name or any other. 

This is a bogus claim from a company I never even heard of let alone did any business at all. 

Please have them remove this unfounded claim from my credit history and restore my FICO credit score. 

Thank you, XXXX XXXX XXXX