davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-20
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)

My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.
Consumer complaint received 2019-07-20
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. (FL)

My identity was stolen. I have already reported the information to the police but the credit bureaus are still reporting the information ; in violation of FCRA SS 605B of US Code. I have sent them the information, the police report. copies of, my identification and also utility bills. 

They have removed some of the fraudulent accounts but still several remain. 

This has been going on for over a year. It is causing me significant damages as I am unable to get a new job or apply for credit. They are violating the law and damaging my reputation. 

I have wasted dozens upon dozens of hours trying to get the situation rectified but it seems they only care about the money being paid to them by the creditors and not the law or my rights.
Consumer complaint received 2022-10-06
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX  XXXX 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 an account without my written instructions.
Consumer complaint received 2019-07-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (CA)

I found information on my credit report which is inaccurate and incomplete, so I did contact the original creditor ( Westlake Financial Services ) through the help of an adviser for them to provide me documentation to proved that alleged car loan belonged to me. Such documentation requested were the complete copy of the loan contract dated and signed by me with all pages including the sticker which is part of the contract. I also requested the letter they allegedly sent that provides me with my right to redeem the vehicle, the notice of deficiency/surplus and the right to cure and reinstate the car loan. 

As you very well know, I am exercising my rights to request such documentation directly from the original creditor per section 623 of the FCRA, a federal law, a duty of furnishers of information to provide accurate information. 

I did send two separate letters requesting such documentation more than a month separate and I am yet to receive any response from Westlake Financial Services after 90 days have passed. They completely disregarded my request. 

Thank you and hope to hear from you soon!!
Consumer complaint received 2017-07-23
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. (NC)

I previously submitted a complaint against XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, OH XXXX for incorrectly reporting an account that was included in my bankruptcy as a charged off account. The president of the company wrote back to the CFPB stating that my account had indeed been marked as included in bankruptcy even though he did not address the fact that his company would periodically change the remarks on the account and had not yet updated the reporting on XXXX and TransUnion. I then submitted disputes to both agencies regarding this account because I had spoken to an XXXX XXXX employee about a month after the president sent the letter, and she told me that they were not going to reflect my account as part of the bankruptcy. I have had no contact with the company except to dispute mistakes on my credit report so this account should have fallen off my credit report XX/XX/XXXX ( seven year mark ). All other bankruptcy related accounts have already dropped off. But every time my XXXX XXXX changes the reporting on my account, the date of last activity changes, and the date of removal is pushed back another year. In one day, my credit score dropped almost 100 points for negative activity that occurred in XX/XX/XXXX. When they update my account, it makes it seem as if the negative activity occurred recently not in XX/XX/XXXX. This account is scheduled to remain until XX/XX/XXXX; I asked both agencies to remove it citing the bankruptcy, and they did not. All they did was update the account as included in bankruptcy.
Consumer complaint received 2019-07-20
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. (LA)

On XX/XX/XXXX or XX/XX/XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.
Consumer complaint received 2019-07-20
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. (LA)

On XX/XX/XXXX or XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.
Consumer complaint received 2019-07-20
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. (LA)

On XX/XX/XXXX or XX/XX/XXXX, this account was reported as 60 days late and is adversely affecting my credit score. I've asked them to correct this mistake and they refuse. This account was closed earlier and a check was made out to me. Impossible to be late.
Consumer complaint received 2017-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (CO)

I never knew that I had a credit card with Wells Fargo card services until they sent it to collections. I believe it was under false pretenses that I had a credit card. The card has now destroyed my credit because it has been sent to collections. I tried to make a payment but they have gone to collections. I was under the impression that I was buying things under a overdraft account tied to my checking, not a credit card. Card ending in XXXX. This account was set up fraudulently and so I feel that I am not responsible for this debt. Also this needs to go away from my credit report.
Consumer complaint received 2019-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I logged onto Transunion to check my credit score. It required a credit card number, which I assumed was necessary to verify my account. I checked my score and then was surprised to receive an email stating that I had subscribed to a service for {$29.00} a month. When I went back on the site to see how this had happened, I noticed that there was a mention at the very bottom of the screen about the subscription service -- but at NO POINT during the process of submitting my credit report request was the fee or the fact that it was a subscription EVER mentioned again. This is the definition of an abusive and deceptive practice. They HID the fact that I was committing to spend {$360.00} a year for a service that is supposed to be available to me for FREE a minimum of once a year. Their web site provided no clues as to how to obtain the FREE credit report -- instead it steered me to a paid subscription. I was able to get this charge reversed, but I am livid. This is truly a misleading, deceptive and abusive practice and it should be stopped.
Consumer complaint received 2023-04-01
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. (FL)

I have contacted " XXXX XXXX Bank '' to remove the incorrect information of the account they closed that is being reporting as a " Charge Off '' negative account. I made yet another payment for the balance they claim that I owe and they have not honored my request to delete this incorrect account information from all credit bureaus to-date. Thus, I am asking that the all the credit bureaus remove this incorrect account information from my respective credit reports. Thank you.
Consumer complaint received 2023-04-01
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. (CA)

The company is reporting late payments when they dont have to authorization to report for my credit. Breaking my Fair credit reporting act laws. I do not and have not given consent or authorization to report any payments to my credit report. I am protected by The Dodd-Frank Act as-well. I need these 30 day and 60 day late remarks deleted from my credit as they do not have my consent to report this.. 15 U.S. Code 1681a
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (MD)

I have reached out to Wells Fargo on several occasions each time I was denied a hardship application due to fact Wells Fargo refuses to provide consumer with written confirmation of their offer, then refuses to due business with any consumer that exercises their right to complaint with CFPB or seek class actions. 

I have made several attempts to seek financial assistance through Wells Fargo hardship program due to XXXX, each time during discussion if I raise any concerns or ask for written confirmation my call is transfer to their escalation department, I then placed on permeant hold, then call is disconnected and I have to repeated this process now going on ( 3 ) months. 

Wells Fargo is engaging in discriminatory business practices against XXXX XXXX selectively declining hardship application and telling consumer if we exercise our right to file complaint or seek legal assistance they will not refused to provide assistance. I spoke with a representative by the XXXX and XXXX XXXX XXXX refused to allow me to complete a financial hardship application, both threaten to terminate call if I filed a consumer complaint.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2019-07-20
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. (MD)

I do not recognize the following inquiry XXXX XXXX XXXX Inquiry from XX/XX/2017. Please investigate and remove from my credit report.
Consumer complaint received 2019-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

The employment data reported on my XXXX, Experian and XXXX XXXX credit report is inaccurate. I want the following accurate information reported and listed on my XXXX, Experian and XXXX XXXX credit report : Employer Name : XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, Position : XXXX XXXX XXXX ( XXXX  ), Salary : {$300000.00}.
Consumer complaint received 2019-07-20
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. (WA)

This is a followup complaint to complaint # XXXX. I have submitted a dispute with Experian, but the dispute website would not accept my supporting documentation. I have previously filed a complaint against Experian in order to get a fax number to fax my documents. They provided a very long winded response with no name attached. I need an explanation of why they can provide a long winded response, but can not provide a fax number where I can fax my supporting documents. My local library provides free faxing, so it is not reasonable to expect me to pay for postage to mail supporting documents. The explanation from Experian will need to include an author 's name. Their response to the complaint referenced above was cold and condescending. A more professional response to this complaint is required. I have attached supporting documents, so they don't need to contact my student loan servicer.
Consumer complaint received 2020-02-07
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)

currently the interest is too high on my loan and the more i pay it seems the money will not go down and i am very overwhelmed by it. i currently do not have dates bu the interest rates from XXXX % on both privates loans i have.
Consumer complaint received 2017-07-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I am unable to get any type of deferment. I am unable to print a statement. I feel like at the time I got the loan, the school gave me the wrong loan product when I could have qualified for Pell grant, subsidized or unsubsidized loan at a lower rate. Navient ( formerly XXXX XXXX ) is my servicer. I am unable to print a statement from the website, defer payments or get a lower interest rate. My type of loans are FFEL (  private loans ). I am struggling a little financially and do not know what else to do. I was making even less money when I was attending XXXX XXXX XXXX college. I do not know if I was taken advantage of or what. My other larger loans are deferred. Navient is stating I do not qualify for deferment.
Consumer complaint received 2018-12-18
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

XXXX has been non-compliant with removing the unverified account WF CRD SVC XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that WF CRD SVC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2019-07-20
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. (NJ)

I sent 4 dispute letters to all 3 credit bureaus ( XXXX, Experian, and XXXX ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP.  I've been violated for months and this has to stop NOW.
Consumer complaint received 2019-07-20
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. (NJ)

I sent 4 dispute letters to all 3 credit bureaus ( XXXX, XXXX, and TransUnion ). In the letter, I asked them to remove or verify 6 charge off 's that I do not believe are mine. Every time I got a response, they came back as verified. How did they verify these charge off 's belong to me and with who? They provided no proof ( original signed contracts ) that these charge off 's accounts belong to me. They would only send me a copy of my credit report with the same charge off 's still remaining. This is a well-known tactic they use to keep people subprime. They violated my rights under the Fair Credit Reporting Act ( FCRA ) many times and I'm fed up. 

I do understand that they sell my information to the banks. And that the banks make more money off me because I have a low credit score. And that way the bank can charge me a high-interest rate. Thus them making more money and me losing more money. 

The charge off 's on my account are inaccurate and have not been verified and needs to be removed ASAP. I've been violated for months and this has to stop NOW.
Consumer complaint received 2019-07-20
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. (DC)

In re XX/XX/2017 equifax breach. 

I understand a settlement on behalf of consumers is imminent Equifax notified me that my data had been compromised shortly after the XX/XX/2017 event ; once it was compelled to do so. I avoided their veiled self-indemnifying deal until the Feds had compelled them again NOT to make consumer response a consumer-harming event. When that happened, I felt sufficiently protected, and ordered access to my Cr data frozen.

I was NEVER subsequently notified of any class action for the actual & potential harm caused. I was NEVER notified of an opportunity to opt out of the class.

I WANT NO PART OF THIS SETTLEMENT IF IT ABSOLVES EQUIFAX FOR HARM THAT I MAY SUFFER AT ANY TIME DUE TO THEIR GROSS NEGLIGENCE. I DO NOT FEEL I SHOULD HAVE TO SPEND THE REST OF MY LIFE FREEZING & UNFREEZING MY CREDIT WHEN I NEED TO TRANSACT.

WHO SHOULD HAVE TO PAY FOR THAT FUTURE EXPENSE & INCONVENIENCE? EQUIFAX!