davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

As of XX/XX/2020 - XX/XX/2020, I have been mailing my dispute letters to the following credit bureaus ; Equifax, XXXX, and XXXX. My first dispute letter was back in XX/XX/2020 using the regular mailing system. The last two dispute letters was the months of XXXX and XX/XX/2020  through certified mailing to be able to track my mailing and I still have not heard a response from either creditor agency.
Consumer complaint received 2023-03-29
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)

I checked my credit report XX/XX/XXXX and noticed that I had a lot unauthorized inquiries on my report. I called the inquirys directly and was and advised to call the credit bureaus. I called XXXX and XXXX and had no issues. When I called TransUnion they said they could do nothing to help. When I asked why they told me I would have to contact the inquirys directly. I told them the inquirys told me I had to go through the bureaus because they couldnt do anything so I needed a different solution. TransUnion told me they could do absolutely nothing nor was there a supervisor or anyone for me to talk to. 

The inquirys that were unauthorized were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Linebarger Goggan Blair & Sampson LLP (OK)

I have some tollway bills owed, dating back to 2019. I was unaware of all of the bills. It appears the collection agency was trying to find me. 

They found not just my boss, but my boss ' boss. And sent a collection notice with my name on it to his home address. 

He reached out to me asking about it. This came at a terrible time. I have been in a tough situation with this individual at work already. 

I feel this was a massive invasion of privacy and absolutely illegal and inappropriate collection tactics.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Shellpoint mortgage company sold my mortgage to XXXX XXXX XXXX on XX/XX/20. They refused to accept my mortgage payment because they were concerned it would not be routed properly and informed me to instead make the payment to XXXX XXXX XXXX. Spoke to a representative named XXXX XXXX who informed me that I was protected from any derogatory reporting for 60 days per RESPA guidelines and because I am a California resident. On XX/XX/XXXX, I received alerts from several credit monitoring services informing me that Shellpoint inaccurately filed a derogatory rating for 30 day late payment in XXXX, during the required RESPA period. I want this inaccurate information removed from credit history immediately since it is affecting my ability to obtain a home improvement loan.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/2021 at XXXX I called TransUnion to tell them I been a victim of the inquiry issue, they gave me a hard time and would not help me with the negative inquiries reporting on my credit report. 

the inquiries were : XXXX date : XX/XX/XXXX XXXX XXXX date : XX/XX/20XXXX XXXX  XXXX date : XX/XX/2XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/2021 XXXX XXXX date : XX/XX/202XXXX XXXX XXXX  date : XX/XX/2021 XXXX date : XX/XX/202XXXX XXXX XXXX XXXX XXXX date : XX/XX/2021 XXXX XXXX  date : XX/XX/2021 XXXX date : XX/XX/20XXXX XXXX date:XXXX XXXX XXXX date : XX/XX/XXXX XXXX date : XX/XX/2021 XXXX XXXX date XXXX XX/XX/2XXXX XXXX XXXX date : XXXX XXXX XXXX date : XX/XX/2021 XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/2021 XXXX XXXX date XXXX XX/XX/XXXX XXXX date : XX/XX/2021 XXXX XXXX date XXXX XX/XX/2021 Thanks for your time and help.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX XXXX, XXXX {$260.00} This is not my account.
Consumer complaint received 2019-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I was fraudulently charged {$1400.00} which was not authorized. I immediately filed a dispute on XX/XX/XXXX and was promised a temporary credit. After speaking with Wells Fargo I was told that the issue would be investigated. 

Unfortunately Wells Fargo did not provide a temporary credit and closed the dispute without cause. I called multiple times and asked for proof that I authorized this amount. 
Wells Fargo never provided evidence. 

The requested information was never provided and Wells Fargo has ignored my concern ( s ). Wells Fargo has violated the user agreement by refusing to address this issue. 

I have lost {$1400.00} which has placed a major strain on my finances. Therefore I'm filing a complaint and want the appropriate action taken to recover my funds. 

I reserve my legal right including initiating arbitration per the user agreement if this issue is not resolved. Thank you.
Consumer complaint received 2019-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (FL)

My debit card, credit card, vehicle, and ID were all stolen from me on XX/XX/18 going into XX/XX/18. I was in XXXX XXXX for the next few days and a women stole my card along with my debit card number. All of my transactions from XX/XX/18 to XX/XX/18 were not me aside from one drink at tropical isle on XX/XX/18. 
I have two case numbers for two different amounts. The first is XXXX and the amount was XXXX. The second is case number XXXX and that amount was XXXX. I called and made a police report later when when my parents drove from Fl to XXXX XXXX to get me several days later. Police fraud phone number is XXXX XXXX XXXX. The officers name is officer XXXX badge number XXXX. The case number is XXXX. I was on several different news stations along with the XXXX Fl police department posting missing posts about me. I also have chief XXXX XXXX number which is XXXX. My number is XXXX. All I got back was an email with a do not respond saying that they didnt believe any fraud happened. I have several cops, and proof of my stuff being stolen so I dont understand how they came up with that assumption. My stolen car case number is also XXXX.
Consumer complaint received 2021-03-05
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: STATE FARM BANK, FSB (TX)

It was in Texas, someone had open an account in State Farm bank to purchase a vehicle using my name. I had never done it, I'd report it to the local police and it's still under investigation. I am a victim of Identity theft, and I am disputing this because I did not open this account to purchase a vehicle. Currently I do not have any open auto loan.
Consumer complaint received 2019-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (IA)

I'd like to receive payment history ( for amount paid ) throughout the life of my student loan. The loan was sold by the company formerly known as ACS ( Conduent ) and is now serviced by XXXX XXXX XXXX ( XXXX ). I have all payment history from the date of XXXX ' purchase but would like the prior seven years ' worth of history from Conduent. 

Payments began XX/XX/2006 and I've deferred for 18 months ( non consecutive ) throughout that time, making minimum payments and above for approximately 120 months. To date, my original principal balance of XXXX XXXX has been reduced by XXXX XXXX. I need to confirm accuracy by reviewing the history in total, as the original schedule was set to be paid in full after 120 consecutive payments.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} : XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}.
Consumer complaint received 2023-06-14
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'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 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 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have multiple credit cards who are stating I owe a lot of money and yet they refuse to verify the debt. I dispute these debts as I do not owe them I asked them all to verify and send me itemized statements and they failed to do so There is 5 with XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXXXXXX and XXXX and XXXXXXXX XXXX also state they will remove their items from my credit report and to date they have failed to do so I am XXXX as a result of these companies and they refuse to even send me itemized statements Some have even sued me at addresses I have not lived at in 7 years. They are trying to get me to pay someone else 's debt and/or they have the balances owed incorrect and refuse to verify anything.
Consumer complaint received 2019-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC has advertised that individuals who open an advance checking account and deposit {$10000.00} of new money would receive a {$350.00} bonus. I signed up for the bonus on XX/XX/2018 and received an e-mail that I had to open an account by sending a check to the XXXX office. I sent a check for {$25.00} on XX/XX/XXXX that was cashed on XX/XX/2018. I only received the account number several days later and made an ACH for {$9900.00} on XX/XX/2018. 

I called HSBC on XX/XX/2018 to inquire why I did not receive The {$350.00} bonus. I spoke to an individual named XXXX and have been told on all subsequent calls to HSBC that I had to speak to XXXX. On my call with XXXX on XX/XX/2018 I gave him all the information plus the invitation number. My last call with XXXX and HSBC was on XX/XX/XXXX, XXXX and all i have been getting is the run around.
Consumer complaint received 2023-06-23
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. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2017-12-22
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: Experian Information Solutions Inc. (CO)

Experian, and XXXX reported I and joint owner XXXX XXXX were 30 days late in XXXX, XXXX on real estate mortgage account XXXX XXXX XXXX XXXX XXXX. 

I disputed this - House was sold XXXX XXXX XXXX Mortgage was paid in full. 

Experian changed the 30 day late to XXXX XXXX and added OK for XXXX XXXX XXXX left XXXX late in XXXX XXXX and added OK for XXXX XXXX and OK for XXXX XXXX Attached is notarized Bill of Sale and Title company Settlement documents stating Paid in full for mortgage and second mortgage dated XXXX XXXX XXXX
Consumer complaint received 2022-02-19
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. (MI)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX  Reference # : XXXX XXXX XXXX : {$0.00} XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$360.00} XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019, A Property Manager by the name of XXXX XXXX, representing XXXXXXXX XXXX, and using the following phone numbers ( XXXX ) XXXX, XXXX XXXX XXXX asked me to deposit {$2500.00} to his bank account in order to secure the rental unit. After I went to a Wells Fargo branch to obtain a cashiers check for the amount of {$2500.00}, I deposited it into his XXXXXXXX XXXX   account. After a few weeks I realized I was defrauded out of {$2500.00} and immediately contacted Wells Fargo to put a stop payment on the check. However, I was notified that the check had already been cashed and their is nothing that Wells Fargo can do. It has been well over +30days and I never received my {$2500.00} by WELLSFARGO . WellsFargo Bank has not been cooperative during this unfortunate process. Due to the recent COVID19 economic hardship, this {$2500.00} loss has severely impacted me financially as a result of Wells Fargos lack of cooperation.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

CITI Bank I Payment On timeclosed my account without notice or confirmation. 
Account Type : Flexible Spending Credit card Date opened : XX/XX/XXXX Hight Balance : {$3000.00} ( I payment on time, Why have Hight Balance??? )
Consumer complaint received 2020-08-02
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. (CT)

I tried to get XXXX XXXX to remove derogatory info on my report removed. They have 2 accounts showing derogatory amounts of {$660.00} and {$1000.00}. But its the same account # XXXX for both accounts reporting. I disputed this with them inXX/XX/XXXX and they said accounts were verified. 2 amounts and 2 accounts that are reporting both as derogatory. To my knowledge my account was paid and then closed by me in XXXX
Consumer complaint received 2020-08-02
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. (CT)

I tried to get XXXX XXXX to remove derogatory info on my report removed. They have 2 accounts showing derogatory amounts of {$660.00} and {$1000.00}. But its the same account # XXXX for both accounts reporting. I disputed this with them inXX/XX/XXXXand they said accounts were verified. 2 amounts and 2 accounts that are reporting both as derogatory. To my knowledge my account was paid and then closed by me in XXXX
Consumer complaint received 2019-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NY)

I've spent months and months on service for XXXX XXXX XXXX which is now Experian and a top supervisor at Experian XXXX XXXX, XXXX simply told my husband that this is only a product. It's not an accurate report and it's not reliable. My husband also verified incomplete information and contradicting reports from the product and the regular reports.
Consumer complaint received 2018-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

In XX/XX/2018, I received alerts that two collection accounts had been added to my credit reports. I looked into the matter and noticed they were from XXXX/Resurgent in the amounts of {$2900.00} ( the cents change ) and {$1100.00}. I sent certified letters asking for proof that I have a contract with this company. Validation was " confirmed '' through a letter by simply stating it was verified. They provided me with no signed contract or any paperwork for that matter. I sent a second round of certified letters asking for validation. ( Please see attachments ) XXXX/Resurgent then sent a letter on XX/XX/XXXX, days after they received my second round of letters, stating they will not continue to respond to my request for validation without additional information. I have no additional information! I have no information other than what is reporting the the credit bureaus. This company is in violation the FCRA and FDCPA. They have no contract with me. I owe them nothing, yet they continue to badger me with letters and report this erroneous information on my credit reports. I also contacted the credit bureaus. They have " verified '' the information. Interestingly, they too were unable to produce any documents of my signature showing these accounts belong to me. Other than empty rhetoric, XXXX/Resurgent had nothing to offer by way of validation.
Consumer complaint received 2023-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

I called the credit reporting agencies and let them know the debt collection in the document included below are not suppose to be visible on my consumer report. 


XXXX XXXX XXXX - XXXX XXXX {$10000.00}