davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

LVNV FUNDING LLC XXXX Balance {$1100.00}
Consumer complaint received 2023-06-29
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 XXXX XXXX # XXXX, XXXX, 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 can not furnish a account without my written instructions
Consumer complaint received 2022-05-13
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result.
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MD)

XXXX did not remove this debt off my credit report. I filed a previous compliant and the company verified that they could not vaildate the debt and it should be removed from all credit report agencies. As it stands currently, this has not been communicated to XXXX to remove
Consumer complaint received 2020-12-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (CT)

First Financial Management called me on or around XX/XX/2020 and reported that I owed a debt for an automobile accident that I had no fault in nor was I ever sued for taking part in. I never once received any attempts to collect a debt and was told that if I did not start a payment plan right away my license would be suspended immediately. I made it a point that I wanted written communications about the payment I made for XXXX on XX/XX/2020, as well as, the judgement decree of the charges I owed. Prior to this phone call the company verbally harassed my husband multiple times, who was not aware of any of this.
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/2020 I found out that my bluebird account had been accessed fraudulently, I contacted Bluebird to let them know there were unauthorized transactions on my accout. In total 19 transactions for {$800.00}. I let them know I was not in possession of the card as it had been taken with my wallet and phone. I also went to website and changed password so no further access to my account would be available. I was told that the claim was denied and no error occurred. If I am not in possession of the card and charges were made I have a hard time understanding the denial. I met all the guidelines of reporting within 24 hours to where I should lose no more than {$50.00}. The money added to my account was from my other bank account which whoever had my phone and cards could access both accounts. I have struggled to pay bills as the amount was equal to my rent. Please look into this.
Consumer complaint received 2019-04-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (MI)

On XX/XX/XXXX XXXX XXXX XXXX attempted to call my phone approximately 25 times in a 1 minute period. The next day they attempted to call me over 60 times in a one minute period. I asked them to stop this practice. As of XX/XX/XXXX they began this practice once again by calling my phone approximately 25 times in a one minute period. They also called me again on the XXXX 25 times in a minute period.
Consumer complaint received 2020-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  There is a bankruptcy showing on my credit. I called the Bankruptcy Court in the XXXX XXXX and they verified that I do not have bankruptcy in their system. Im confused how i have a bankruptcy when I have never filed for bankuptcy and thank XXXX I dont have a need to. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Ive tried to pay off a loan with Credit Acceptance Corporation and these people at their company keep giving me different amounts needed to pay off my loan. I spoke to XXXX at Credit Acceptance today and asked him why their company told me I owed XXXX which I paid yesterday online and now I go to their website and not only are they stating I owe XXXX but its also showing a balance of XXXX. So XXXX is stating that I only owe XXXX to pay the entire balance in the loan but thats not what the system stated yesterday. So not only are they giving me different amount every day that Im paying them Im getting charged transaction fees because they are not giving me correct amounts to pay off this loan. This company needs serious auditing because what they are doing is scamming consumer!!!
Consumer complaint received 2020-12-19
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: Experian Information Solutions Inc. (NC)

I disputed an incorrect XXXX XXXX XXXX that was reporting on all 3 of my credit reports. I also reached out to XXXX directly via US Postal mail and received no response. In the middle of disputing the inaccurate reporting, I was informed by my State Attorney General 's office that my original contract with XXXX had been voided due to a class action lawsuit against XXXX by the State of North Carolina and many other states. Per the order, this account was to be deleted from all 3 of my credit reports. I filed additional disputes with all three bureaus, XXXX, XXXX and Experian. Both XXXX and XXXX deleted this account from my credit report but Experian continues to " update '' this account. I have asked Experian to send me whatever documentation they have that absolves them from deleting this account that was involved in litigation and has a court order attached. They fail to provide this information and continue to report this account illegally. I mailed a direct dispute to XXXX on XX/XX/2020 requesting a 1099A, Bill of Sale, and original contract and never received a response. I filed disputes with Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 and they continue to update the account even after violating my rights from the very beginning by not listing that this account was in dispute. I even sent Experian the court order in regards to the lawsuit that states that this account has to be deleted.
Consumer complaint received 2022-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Caliber Home Loans, Inc. (MI)

XXXX and XXXX  to Caliber Home Loans , Inc. re undated newly produced XXXX to her Promissory Note. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sent XXXX her non-endorced Note and two standing alone XXXX 
XXXX XXXX  was dated XX/XX/XXXX, allegedly from XXXX XXXX XXXX to Caliber Home Loans, Inc ( Caliber ) prepared allegedly by XXXX XXXX XXXX XXXX. 
XXXX XXXX ( which appeared for first time from XXXX ) is undated, and prepared allegedly by Caliberss post closing XXXX XXXX XXXX. 
According to this XXXX, the payee is Caliber while other parties demand payments from XXXX acting under glimpse of XXXX. 
XXXX demands disclosures and verification. 
Caliber must state when this XXXX was created and provide the actual date and office location where this XXXX was created. 
Caliber must disclose the full name of the Seller of Loan XXXX, when and where this Loan was sold, who was the buyer and proof of payment of this loan such as copies of wire transfer receipt, ACH or cancelled check. Please state names of each individuals for the seller and buyer who were involved in this transaction. 
Please disclose if this loan was recorded as an asset on Calibers books and records after this purchase and provide me copies of these records ledger of account receivable where my Note is recorded as an asset. 
Please confirm that Caliber is the current owner of my alleged obligation ; and warrantees of this ownership from an authorized individual officer of Caliber. 
Please provide the name of custodian of my original Note and the place where this Note and my Mortgage are currently located. 
Please make sure that all responses are wet-ink signed by an officer who is responsible for Calibers accounting or bookkeeping. 
XXXX XXXX
Consumer complaint received 2023-06-29
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. (TN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial Services took over a medical debt that I MAY HAVE had from, before I was married, 12 years ago. The debt was from XXXX XXXX. My husband and I filed chapter XXXX bankruptcy on XX/XX/XXXX : Case # XXXX. No one showed up to our federal court hearing! This company MAY HAVE re-submitted this an old collection, that was included with our bankruptcy, in XX/XX/XXXX. When I contacted the company, they gave me the run around and said they couldn't locate anything about me. I disputed this collection with the major credit bureaus, explained my situation, and now they are launching full investigations. This, in my opinion, is potentially fraudulent because I have never visited healthcare providers from XXXX XXXX AND this Bull City Financial could not provide me with any information regarding the derogatory account they reported on my credit. When I requested a letter of debt validation, they said they would not be able to provide that for me. This is beyond harassment, what they have done is against federal law. My bankruptcy attorney is XXXX XXXX, of XXXX XXXX XXXX , XXXX. This company needs to remove the collection from my credit report or I will seek legal action against them! This company needs to be held accountable for underhanded actions, such as this.
Consumer complaint received 2022-10-19
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. (TX)

I have disputed an inaccurate 90 day late on my credit report. I provided XXXX  monthsXXXX XXXX months prior to disputed date and XXXX months after, worth of bank statements that all show the AUTOPAY, XXXX payment was made on time every time yet they creditor, Office of attorney general, continues to validate the non payment even tho I have proof otherwise. The credit bureau will not provide me with documents creditor used to uphold the dispute as I believe they are required by federal law to do. And why does this third party take the word of creditor over visual evidence to the contrary??
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

My Wells Fargo bank personal checking and savings accounts were hacked on XX/XX/2022. They stole all the money from both of my accounts totaling over {$5000.00} USD. 
Listed Transactions : NON-Wells Fargo ATM withdraws {$200.00} {$400.00} {$400.00} Unauthorized Transactions : {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX to unknown " XXXX XXXX  '' obviously fake name {$490.00} {$490.00} {$130.00} {$490.00} {$490.00} Unauthorized transfers from savings to checking : {$2400.00} {$1400.00} Transactions totaling : {$9000.00}
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I was about to start the process of buying a home and went to meet with the lender and found several inquiries on my credit that are not mine. Ive contacted the credit bureaus regarding this but has no response. Im doing this on my own behalf. Please help me and the inquiries are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX/XXXX.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-13
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: Westlake Services, LLC (GA)

My truck got totaled out. Was purchasing a new one. Old account with Westlake was paid by XXXX XXXX. Still being reported on my report. Rep did a hard pull and I expressed XXXX had already done it. Rep said it was nit a hard pull it was a soft pull but showing up on report as hard inquiry. They initially denied my new application based on my income that is more than what I had at the start of previous account. Was in good standing and had to verify identity in the same way multiple times due to lack of communication in the company. Even contact CEO XXXX XXXX who had his assistant call and threaten me that Id not be able to get the loan. My fianc who is new to westlake had to do none of that. They treated me horribly during this transaction and I have been nothing but a great customer who pays on time every month. As a victim of identity theft its scary giving your information to people you dont know. They even had me send my social security card and photo ID in a text to the dealer. Our plates came and went to an XXXX didnt give the dealership or westlake as a current address. They reported the wrong address and personal information to XXXX as well as others. XXXX XXXX doesnt mean to treat people like theyre a XXXX human. I also have a XXXX so this really took a toll on my mental health
Consumer complaint received 2020-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am writing to you in order to inform you that I have unknown account in one of the credit bureau. I do not recognize this account so please remove it as I guess I became a victim of Identity theft.
Consumer complaint received 2020-12-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.