davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-13
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. (MD)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. Itseems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on mycredit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soonas possible XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MO)

Hello, We are part of the Wellsfargo class action settlement ; however, we are getting the run-around in a major way. In the fall ( XXXX ), we received a pre-settlement check ( 3 times ) for this class action that we DID NOT cash. We DID NOT accept the settlement amount. We have contracted Wellsfargo by phone and by email, and every time we are told that our inquiry is invalid, either because the lawsuit is for a specific issue, like them opening an account we didn't authorize, or that the lawsuit is closed and therefore we would not be included. At this point, we feel that Wellsfargo is stalling and providing false information on purpose, and we are being stonewalled. 

*In their final response WellsFargo gave us an update/finalize date of XX/XX/23 stating that we would receive payout of class action and/or contact by that date. It is now XXXX and once again WellsFargo is absent from the process.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX # XXXX under XXXX XXXX XXXX, 15 USC 1681 section 602 A. States I have the right to privacy. USC 1681 section 604 A. section 2 : it also states as a consumer reporting agency can not furnish an account with my written instructions. USC 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 antidates the report by more than seven years. USC 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 2019-05-05
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. (FL)

I sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. 

I waited 37 days to verify XXXX XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Experian stating that XXXX XXXX XXXX did not notify Experian about my dispute along with a copy of my initial dispute letter to XXXX XXXX XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Experian has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.
Consumer complaint received 2023-01-13
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. (MD)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. Itseems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on mycredit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soonas possible XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XX/XX/2022.
Consumer complaint received 2018-06-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I'm getting help writing this due to declining health ... I got into a loan w/Prestige Financial b/c my Bankruptcy Attorney advised it would be better for my credit to get a high interest vehicle loan. The vehicles loan was so much but when I got it appraised its was worth less than the actual loan ... When I got laid off from my job in 2015 I've just been struggling to pay but lender will not refinance loan to lower payments and whenever I look to get out of this vehicle to a lower paying one they call my employers, send me harassing emails saying that I'm lying to them, that no one will help me and that the only way to stop paying such a high loan is to surrender the vehicle and try my luck with my credit. This past week my father was actually using my credit to coappy with me and Prestige called my employer posing as another entity to perform VOE and they called/emailed me to say, they've checked in on me that I was lying on application forms and that because I was refusing their help they were going to prevent me from getting any help to lower my payments or get out of the car to get into a more affordable vehicle. I've advised them of my medical issues ( without giving them my prognosis or anything ) but their calls/emails are rude and due to my health it's easier to ignore them because they cause emotional duress.
Consumer complaint received 2021-07-22
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. (TX)

I spoke with a representative from Equifax and explained that I had identity theft against me and someone applied for things in my name. I was told they needed the identity theft report with the dates that this happened. I have included this in this complaint and they should be deleted
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have contacted Transunion via support chat numerous times regarding disputing items on my credit report. on XX/XX/2023 I disputed one of my creditors ( XXXX XXXX XXXX ) and the status on my end is marked as " in progress '' when I contacted Transunion they said that it is resolved, and no active disputes as of this time. I can not also get a record of my credit report because it claims an active dispute is going on... This is holding back my liberties of the Fair Credit Reporting Act when I can not have false information updated by a push of a button.
Consumer complaint received 2019-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/2019 Assetcare LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to request an investigation of the following information that Assetcare LLC is reporting to the credit agency on my behalf. 
I am writing to challenge the reporting and compliance on two accounts with Assetcare LLC which is reporting missing information/incorrect information. More specifically I am referencing the fact that you are reporting. 

Dispute # 1 Date Open : XX/XX/2019 Amount Reporting : {$61.00} Dispute # 2 Date open : XX/XX/2019 Amount reporting : {$180.00} Disputed Reason : This account with your company is in question, please send me last billing statement, medical release paperwork that shows I gave permission to release my medical report that show you didn't not validate my hipa rules. please correct the missing/incorrect information date of last activities. your improper procedures are highly damaging to my credit score. please immediately delete this item
Consumer complaint received 2018-06-26
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: EQUIFAX, INC. (GA)

Equifax continues to ignore my rights and report false information on my credit report. I have explained multiple times that this account should be removed due to the payment history and last payment being over 7 years old. 

Equifax is violating my rights by refusing to removed this account. They have not been investigating the account and have been using outdated data to keep this account active on my profile. My credit report is not reporting complete and accurate. 

I will continue to add other offices and agencies to receive a copy of my complaints.
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (CA)

ATTENTION TO AARGON AGENCY INC ( 01 STOR AMERICA ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$310.00} does not belong to me. This account was fraudulently opened through this company AARGON AGENCY INC in XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2018-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Designed Receivable Solutions, Inc. (FL)

Designed Receivables is continuing to misstate and bully their way into collecting money that is no longer owed. XXXX XXXX is a group of physicians and medical group. There are a XXXX load of medical collections by designed receivables on my credit bureau. I have been waiting for Social Security XXXX for a VERY long time. Upon looking at my credit bureau, I saw a pile of these listings. I didn't know that they a ) didn't or wouldn't work with the medicare insurance, B ) wouldn't try and find Medicaid. It is true, I did not have any income in XX/XX/2012. When I finally got medicare, they did not try to file with medicare. When I gave them the info, they told me I needed to pay them and get money anyway. At that point, I called the billing dept. at XXXX XXXX. That is when the billing dept said th3ere is no balance. My medicare was backdated.
Consumer complaint received 2023-01-21
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. (MA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX and 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 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 2022-08-16
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. (IL)

I am upset, sad, distress on what is happening to my credit report. Some of my accounts has a late payment remark. I did not incur any late payments. Ive made every payment paid on time. Can you guys double check those account and make a necessary action about it.
Consumer complaint received 2023-03-29
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 am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX Acct # XXXX. 

Upon reviewing my credit report, I have noticed that XXXX is reporting a last active date of XXXX  for this account, whereas XXXX is reporting a last active date of XXXX  This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what XXXX has reported. Therefore, I am requesting that XXXX investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that XXXX delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.
Consumer complaint received 2023-03-29
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I had a card from Capital One Bank XXXX. This card was deactivated, while I called Capital One I was informed that my account was closed and by balance was {$0.00}. This call was recorded and therefore should be on file with Capital One. I was however sent a collections notice on my owing {$0.00}. However the collections letter state some {$9000.00} owed in penalties and interest. And this figure has been reported to my credit. Please HELP!
Consumer complaint received 2019-05-05
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. (FL)

I sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. 

I waited 37 days to verify XXXX XXXX XXXX violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Equifax stating that XXXX XXXX XXXX did not notify Equifax about my dispute along with a copy of my initial dispute letter to XXXX XXXX XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of XXXX XXXX XXXX 's violation of the law and refuses to remove this trade-line.
Consumer complaint received 2019-09-29
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. (AZ)

This will be second attempt to try to resolve my matter with XXXX XXXX XXXX. They responded to me that they would be correcting the miss information within my credit report. They continue to report a late payment on my account when numerous times I was told would not be marked as late. Car was traded in back in XXXX. They removed late payment in XX/XX/XXXX, then readded back on XX/XX/XXXX. It not being updated in their system so each month reports late payment. Am at the point of taking legal action. I spoke to credit company and they advised me they keep reporting late payment.
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I was told it is a gift voucher and was given a store card by forever 21 which involved a lot of paperwork. Back then I did not know what a store card was. This was on XXXX XX/XX/XXXX. I received mails from them and I thought they were promotions for forever 21. When I received these mails every month. I opened a mail on XXXX XX/XX/XXXX to find that I had to pay XXXX USD. I called customer care the very next day and it is very hard to reach them. I paid the amount and asked them to close the card on XXXX XXXX XXXXThey promised me that I wont incur anymore charge from their side since the card was closed. To my horror I incurred XXXX USD by the month of XXXX. I call them up just to find out that there was a hidden XXXX USD which accumulated interest and a late fee to become XXXX USD. They promised me that there wont be any more fee if I pay this XXXX USD. I paid the same hoping this matter is closed once and for all. I receive a mail from them in XX/XX/XXXX that I have to XXXX USD by XXXX XXXX XXXX. I am bleeding and this is not fair. Neither customer support nor their chat is useful. I need justice. When I narrow down on the statements. They are just interest and late fee on the interest even after the card and account are closed. How many times should I keep paying.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

This banks customer service treats me horrible I called them because I added my card for XXXX Pay  and it said to called the bank for verification to activate it I did. And they refuse and give me a hard time after verifying me they want me to speak to security department this is not fair so now I have to wait the entire weekend because these people dont know how to treat a loyal customer or to activate my card for XXXX pay this is not nice I want {$50.00} for the inconevenice they have caused me
Consumer complaint received 2023-03-29
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. (VA)

I submitted three credit disputes to Equifax credit services the first ( dispute # XXXX ) being on XXXX advising them that various accounts have been paid and that they need to update them. I received notification from their company on XXXX stating that they've updated four of the creditors has been updated but not the others. I reached out to the creditors in question just to verify and to be sure that they were reflecting paid. I was advised by creditors in question that the accounts were in fact paid and was reported as such. After learning of this, I took the time to file another online dispute ( dispute # XXXX ) through Equifax 's website again on XXXX. This time around, I attached proof of payments obtained from the creditors in question. I received an electronic notification from Equifax on XXXX stating that the creditors are reporting accurately. I reached to Equifax by phone on XXXX. I spoke with two representatives ( first rep placed me on hold for 40 minutes and never came back to phone ). The second rep that I spoke with assured me that the two accounts in question had been updated and corrected. I gave it a few days and decided to check my credit file, only to find that the same two credit items are still being reported incorrectly and still haven't been updated. Meanwhile, XXXX and XXXX were able to verify, correct, and updated the same information well over a month ago. I reached back out to Equifax by phone on today XXXX, and was advised by rep that the items in question have NOT been updated in spite of the numerous phone calls and request, along with proof of payment that I've submitted. He told me that his name was XXXX and that he rep number was XXXX. He advised that all he could do was to submit another dispute ( dispute # XXXX ) and that it could take another 30 days to get a resolution. Left with no other option, and being totally frustrated with the situation, I had to come to your corporation to file this complaint. This entire situation is impacting me negatively and is discriminatory. I am SERIOUSLY considering pursuing legal action against Equifax. I am sure that if they're doing this to me, that there are others that they are doing this to as well. Please feel free to contact me with any questions or concerns that you might have. Thanks in advance for your help and time in this matter.