davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

XXXX and Experian are taking too long to respond to an investigation I requested on XX/XX/XXXX. They were supposed to respond within 30 days.
Consumer complaint received 2022-03-07
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. (AR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-07
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. (AR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-24
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. (GA)

When I went to the dealership they ran my credit multiple times even though I already had an approval from XXXX on XXXX, XXXX. All these inquires are fraud! I listed them below. 

XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX Their is a total of 8 fraudulent hard inquiries on my Equifax credit report. By law they must be removed.

Attached is my police report showing I have reported these inquires and XXXX headquarters has already taken action against the location that ran my credit without my consent. bellow are other hard inquires that I did not authorize making them also fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (ID)

XXXX made an unauthorized deduction from my checking account which caused associated overdraft. The overdraft resulted in draft from saving account and cash charges, fees, etc. to Wells Fargo credit card. Occurrence was XXXX day a three way phone call took place between XXXX and Wells Fargo. It was established that the transactions were all unauthorized. XXXX over charged interest even after receiving payments in full. XXXX has also failed to report the loans as having been paid ( in full and excess ) to the credit bureaus. Wells Fargo still has yet to reimburse the savings account and the credit card from the checking account. They sent a letter only a week after the three way call informing that all the proper adjustments had been made. Later, Wells Fargo sent another letter ( false claim ) stating the reversals were not made, and falsely claimed the checking was over drafted. The checking was not over drafted until the unauthorized transaction. I have called repeatedly. This is an online account but I am not able to communicate to Wells Fargo online or file proper disputes online and the calls have resulted in hang ups and repetitive transfers without help. I have spent hours on the phone. Wells Fargo has repeatedly been charging false daily average balances, cash fees, and false balances to the credit bureaus as well. It has been over a month. Also, no one is able to disclose how they are miscalculating the interest/fees, etc. I made no charges on my credit card the last billing cycle yet have lots of wrongful charges, fees interest and false reporting on the billing statement. No one will help. I'd like a bank investigation or Auditor to fix the account because Wells Fargo has been unable to do so. Please assist. Thank you..
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my remedy, as a consumer and the original creditor. 
On XX/XX/21 I went to XXXX XXXX XXXX XXXX to purchase a vehicle. I did not realize until a few days later that I was false or misleading representations by the sellers at this organization. Based off XXXX XXXX XXXX I should have been given disclosure of obligors right to rescind. That did not happen, and I feel very deceived and taking advantage of. Based off 16 CFR 433.2 ( b ), the following statement should have been on my contract bolded in ten point font. This Notice was not on my contract either, which in sense voids this contract. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
The following should have been on my contract bolded in ten-point font. This Notice was not on my contract either, which in sense voids this contract. One thing after another that makes me feel like a fool and fully taking advantage of. 
Since then, on XX/XX/21 I submitted documents for billing error and resolution to the GM of the store XXXX XXXX, XXXX XXXX the Executive VP, XXXX XXXX Agent, and the CFO XXXX XXXX. Based off 15 USC 1666 ( b ) ( 2 ), I have request additional clarification including documentary evidence thereof to fix this billing error. I have given them the proper billing error notice based off of my rights 12 CFR 1026.13. I also gave them a notice to rescind this transaction. Based off 12 CFR 1026.23 ( d ) I have the following rights and expect XXXX to fulfil their obligation to resolve this billing error. 
12 CFR 1026.23 ( d ) ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.

( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. 
Based off 18 USC 8 states the United States of America has the obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. So, what alleged debt am I accountable for.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

I have requested Experian to investigate the inaccuracy of account XXXX XXXX XXXX. The XXXX XXXX account is reporting inaccurate account information the last payment date and the date the account closed date are not shown. The date the account opened states XX/XX/XXXX. The consumer statement is not accurate I did not make a statement. The last date of activity is XX/XX/XXXX. It has been over seven years of credit reporting. Experian only reports the date opened. XXXX XXXX is the original creditor and did not sell or transfer the account. I can continue with the validation process however, this issue can be resolve by deleting this inaccurate trade line due to the only date of activity shown is XX/XX/XXXX and that date has past the legal reporting time.
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (FL)

PLEASE BE ADVISED THIS IS LIKE MY FORTH REQUEST.. IVE SENT IN MULTIPLE FTC REPORTS TO SOUTHWEST RECOVERY, EXPLAINING THAT IHAVE BEEN A VICTIM OF IDENTITY THEFT. FOR SOME REASON ALL MY INFORMAION IS BEENING IGNORED. PER FCRA THIS INFORMATION NEEDS TO BE BLOCKED FROM MY REPORT, IF SOMETHING DOESNT HAPPEN SOON I WILL SEEK AN ATTORNEY AND SEND A COMPLAINT THE ATTORNEY GENERALS OFFICE.

PLEASE SEE ATTACHED FTC REPORT 15 USC1681C-2 ( A ) THE LAW SAYS IN CASE OF IDENITIY THEFTA CONSUMER ( MYSELF ) MUST PROVIDE 1. FTC REPORT 2. IDENTIFICATION 3.CONFIRMATION FROM CONSUMER ( ME ) THAT SAID ACCOUNT IS FRAUDLENT AND I DONT ACCEPT RESPONSIBILITY,,
Consumer complaint received 2018-12-15
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. (NY)

XXXX XXXX decided on there own to keep an inactive checking account open for years. I never made any use of the account for years. XXXX XXXX XXXX recently reported to the credit bureaus that I failed to pay them {$77.00} XXXX XXXX dollars as an attack to decrease my credit scores. I never owed XXXX XXXX XXXX XXXX {$77.00} seventy seven dollars which is used as a personal message to attack me because my birth year is XX/XX/XXXX. This account was never in use since XX/XX/2014.
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (NJ)

Hi I am submitting this 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 XXXX 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 XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-03-07
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: CORELOGIC INC (CA)

The institution listed below in this description box, did a hard inquiry on XX/XX/2022 thatd showed up on my credit report, this action/activity was without my consent or knowledge. The Institution Information : CREDCO their contact info is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. I have also filed A complaint with the XXXX and the institution listed above have yet to respond to it. They are an unknown entity that I have not interacted with, nor were they ever given permissions for what they are responsible for committing.
Consumer complaint received 2022-03-07
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-07
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. (TX)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NC)

As of XX/XX/2018 HUNTERS WARFIELD KEEP INCREASING AND DECREASING A DEBT THAT DOESNT BELONG TO ME.. ACCORDING TO THE FCRA INCREASING AN AMOUNT THAT HAS ALREADY BEEN REPORTED YOU CANT INCREASE AND DECREASE BY {$1.00} TO {$2.00} DOLLARS EVERY WEEK OR MONTH WHICH DAMAGES AND HARASSING SOMEONES CREDIT ITS NOT RIGHT ITS A VIOLATION UNDER THE FCRA. THIS MUST AND SHOULD BE REMOVED FOR INACCURACIES UNDER SECTION 609.
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Wilber and Associates, P.C. (GA)

4 months ago i was in an car accident and afterwards I started receiving calls 1 month later. The calls states that they would have me arrested, suspend my license if i didn't pay. I disputed it but the final straw was they were sending someone to arrest me if i didnt agree to payment arrangements. I only did it because I thought I was going to jail. I do not owe them any money but paid until i found out that i'm not the only person they've zone this to. I do not owe them anything. And i signed and made payments under the impression that they could have me arressted. They also said my license were suspended even made me get SR22 insurance and i have recorded phones of all their THREATS
Consumer complaint received 2022-03-07
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. (TX)

XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for Trans Union dated XXXX, XXXX met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

My daughter and I bought a used XXXX XXXX and financed it through Credit Acceptance Corp. Shortly after my husband passed away and my daughter and I had to downsize on vehicles due to loss of husbands income. We voluntarily returned the car. At that point, we could not pay for the vehicle. We had on our credit report that the account received a payment of XXXX after they got car back. So that should have dropped the amount we owed them way down. It was considered closed on XX/XX/XXXX. But since then they have kept adding charges and fees to the account each month. I am talking like anywhere from XXXX to XXXX a month. The current balance says we owe them over XXXX but as of XX/XX/XXXX our balance was XXXX so how could we keep getting charges for the vehicle? I have been trying to dispute this on my credit report for two years. I keep getting the response of Info is accurate and then BAM more charges show up. I have checked with the XXXX and they have hundreds of complaints about this company. They actually have an F rating. One lady 's comment was basically the same as my complaint. My daughters name is even spelled incorrectly on the contract. I am trying to get my life back together and was informed I cant buy a house or rent a house because of this account. I really need some help. I have contacted the Attorney General of NC about this and they sent letter to XXXX XXXX but got no response within the 15 days given to them to respond. HELP ME PLEASE!!!
Consumer complaint received 2022-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the Fair Credit Reporting act 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 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 2022-03-07
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. (AR)

Credit was pulled without authorization on the following : Experian 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 2018-12-15
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. (VA)

I contacted transunion about a bankruptcy on my report, and asked for verification and validation, using the address they listed on my credit report, the mail was RETURNED, indicating a wrong address and inaccurate reporting. 

All of my correspondence was sent CERRTIFIED. I informed transunion of their inaccurate reporting and asked for a deletion. They responded to me stating they verified via XXXX and the listing will REMAIN, ( But They  changed the Bankruptcy court to the CORRECT address now- go figure. XXXX is NOT the furnisher of the information, in which they tried to pass it off as so. 


ALSO - and most importantly, I have attached a letter from the court, stating, THEY DO NOT REPORT to the credit bureaus. This is a clear violation of my consumer rights and is actionable. 

I have attached a copy of my certified correspondences in which, i asked for validation, notice the dates of the reports ( they changed the address of the furnisher, instead of admitting their mistake and granting a deletion ). 


Nevertheless, the letter from court should trump it all!!! 


PS_ I AM HAVING PROBLEMS DOWNLOADING ATTACHMENTS< but will try and input afterwards