davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (KS)

I was notified of a debt by IC Systems and contacted them XXXX of XXXX. I did not have the full balance owed of XXXX, but I was able to set up a payment plan where they would withdraw {$100.00} on XX/XX/XXXX and withdraw {$50.00} every month on the XXXX for 8 months, and then pay the remaining balance of XXXX on XX/XX/XXXX. I also inquired about making additional payments to lower the final payment which they told my I needed to call in to do so. Additionally, I was told that as long as a did the payment plan and had it paid off by XX/XX/XXXX they would not report it as a collections account to the credit bureaus. I made two additional payments : on XX/XX/XXXX for {$50.00} and XX/XX/XXXX for XXXX. This brought my final payment to {$200.00} on XX/XX/XXXX. Both times, I called to make the additional payments I confirmed that the final payment set up on XX/XX/XXXX would pay off the loan. Both times, the representative told me it would. The final payment of {$200.00} was paid successfully on XX/XX/XXXX. The account was paid in full. However, on XX/XX/XXXX I received a credit monitoring alert on my phone. When I checked my credit report, it showed a new collections account from ICS was added on XX/XX/XXXX. I pulled up my IC Systems account on XX/XX/XXXX and it showed I still had a balance of XXXX. This is completely inaccurate. I attempted to contact IC Systems and I was unable to reach a person. The phone would ring. It would say no one is available and ask if I wanted to leave a voicemail. When I attempted to leave a voicemail it said the box was full and hung up. This is horrible debit collection practices and I expect this to be resolved immediately. I paid the account in full and should not have to go through this mess.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (NJ)

The following companies have fraudulently opened hard inquiries on my credit profile without my consent. I have spent weeks trying to figure out why I keep getting inquiries and this is because of identity theft. None of these companies will respond to me and they can not verify it was me that opened them. I have already contacted the police and I will contact my lawyer if this is not fixed. I need these inquiries to immediately be removed from my credit report. This is extremely urgent as I am purchasing a house for my family and this XXXX is hurting me. 

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 2018-04-22
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: Credit Karma (CA)

CREDIT KARMA HAS MY OLD ADDRESSS LISTED IN MY PERSONAL INFORMATION PROFILE AND IVE RECENTL used XXXX to take advantage of my free addresss change and for my XXXX address change since we are moving soon. Credit karma will not allow me to iMMEDIATELY change mt address on file and i jave JUST applied for XXXX XXXX  XXXX credit cards.today is sunday XX/XX/XXXX and i applied for XXXX XXXX XXXX credit cards yesterday on saturday XX/XX/XXXX online using the " Recommendation '' portion of the website while logged into my account. My concerns are my identity will be compromised and/or my credit card information will be stolen. Also another MAJOR problem is XXXX vehicles are reported or shown as my vehicles on credit KARMA but they are NOT. I removed them becuase i am NOT the rightful owner.
Consumer complaint received 2019-03-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MO)

I have reached out to Wells Fargo ( debit collector ) on several occasions regarding my Lien Holders name and phone number. Wells Fargo gave me the name of XXXX XXXX, however did not provide a phone number. Wells Fargo stated, they have no phone number. I need this information to obtain the documents from the Lien Holder.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with XXXX online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with XXXX. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with Experian. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-24
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: Aargon Agency, Inc. (NV)

I received a copy of my credit report and I wrote this company XXXX Aargon Collection Agency ) XXXX different times ( XXXX & XX/XX/2023 ) asking them to validate & investigate the alleged item that they are reporting on my credit report. I have asked this company to 1. Provide documents bearing their signature to validate this alleged debt. 
2. Proof of their right to own/collect this alleged debt.

3. Contract bearing my personal signature.

4. Any documents bearing my personal signature showing that I have a legally binding contractual obligation to them the alleged debt. 
They are ignoring my request for validation of this alleged debt by sending a printout of a bill or itemized documents. I have made them aware that this does not constitute verification. Every letter to this company I have formally asked for a copy of the above items. I have gotten nothing but silence. 

This is causing damage to my character. 

.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IN)

I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away
Consumer complaint received 2018-12-08
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: Early Warning Services, LLC (NV)

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent XXXX  a copy of my ID Theft police report. 

These two accounts are listed on my XXXX  report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

In XX/XX/2020 I placed a deposit for a motorcycle rental in XXXX XXXX XXXX XXXX. Due to continued COVID travel restrictions, I have been unable to travel to XXXX XXXX since making the purchase. When I contacted American Express, I was told that I should attempt to first deal directly with the merchant. After months of negotiation, the merchant remains unwilling to provide a refund, and given the travel restrictions imposed on XXXX XXXX by the U.S. government and XXXX XXXX government I haven't been able to travel to XXXX XXXX. I will unable to ever use this motorcycle rental deposit at this point however, American Express is now unable to provide a refund because more than 60 days have elapsed since the purchase was made.
Consumer complaint received 2021-11-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (MO)

I noticed this account on my credit report and I did not recognized the debt. The collection account numbers, amount owed and company are not consistent with any records I have, I've sent XXXX certified debt validation letters to the company one mailed XX/XX/2021 and the other mailed XX/XX/2021. I have gotten XXXX response from the company, but according to the credit bureau they have " verified '' this account. How is this account verified when the company has failed to validate the debt with me. I have yet to receive a written reply to the letters that were mailed.
Consumer complaint received 2018-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

IN REGARDS TO EQUIFAX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX  : XXXX. XXXX XXXX XXXX TX XXXX, XXXX  XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY EQUIFAX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE EQUIFAX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT EQUIFAX HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT EQUIFAX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY W2 TO PROVE WHO I AM. 
HELLO WHAT THE XXXX IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY W2 TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.
Consumer complaint received 2021-11-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Utah System of Higher Education (MD)

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

Despite the multiple previous written requests, the unverified items listed below still remain 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 set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ;
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (NC)

I recently reviewed my TransUnion credit report and I noticed there were inquiries that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on my credit report
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

My wifes family is in XXXX. We send small amounts of money ( {$100.00} to {$500.00} ) sometimes and just recently when sending {$510.00} to one of the nieces the transaction was declined. I was on vacation in the XXXX and needed to send that person who was living locally in the XXXX. I personally know and have met that person many times and is an honest person. The XXXX agent instructed me to call, a fraud specialist. That person decided that the transaction was somehow fraudulent and that I was probably being pressured into originating the transfer. UNTRUE. That was XXXX XX/XX/2021. I've spoken with Western union 3 times since than and the best I can get is that MY bank ( XXXX XXXX XXXX ) declined to send the money. THATS A LIE. Today, I tried to send {$200.00} ( XXXX ) and a flashing red banner appeared at the top of the Western union web Site " oops something went wrong '' and the transaction can not be completed. Now, I've been marked by Western Union and I am not able to even use their site. I believe this is a case of an OVERZEALOUS FRAUD DEPARTMENT and Western Union is inventing problems so somebody will have a job. Their customer service is in the XXXX. Every time I called XXXX I got the " You cant be too careful, refering to Identity Theft and Fraud maters in the XXXX. I was continually lectured about the fraud problems in the XXXX. I answered ALL their security questions which made no difference. 

These are people I know and Have successfully sent the same individuals money for the past 8 years. Why now and what changed. Just want a straight answer and be allowed to use their service again.
Consumer complaint received 2018-10-10
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. (KS)

I had XXXX XXXX credit card that I closed in XXXX. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called XXXX XXXX but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.
Consumer complaint received 2019-03-22
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. (IL)

I sent over letters to Experian and XXXX requesting that unverified accounts with incomplete and unknown data be verified. I am receiving emails and results stating that they are verified. The last results I received from XXXX on Monday XX/XX/19 state that the accounts have been verified, however they did not provide the method of verification and completely ignored the request for a signed consumer contract with my signature and all of the incomplete unknown data accounts still remain on my credit report. The same results also happened with Experian. I also received a letter from Experian they they will not investigate the matter further. With a prior dispute with Experian, 2 of the accounts were deleted, however all of the other accounts containing the same incomplete unknown data were left on.
Consumer complaint received 2018-04-22
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. (CA)

Ive recently contacted Equifax about the inaccurate reporting they have showing on my credit file asking them to remove these inaccurate alleged accounts they claim are mine. Equifax hasnt complied with the Fair Credit Reporting Act, they have not removed these inaccurate and unproven alleged accounts. I want to make the CFPB aware of Equifax willful non compliance in case I have to move forward with a civil suit against Equifax. 

To Equifax please delete these inaccurate accounts immediately. 

The alleged accounts are XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

Hi, I opened an Old Navy Credit card with Barclays bank last year. When I got the statement, I noticed a late fee. I called the bank and made the payment for my merchandise in full ( XX/XX/2022 ) and requested that they remove the late fee, which they graciously agreed to. Once they assured me of a zero balance, I also requested they cancel my card and delete the account. This was dine as well. They did mention that I should see zero balance in my next statement as billing takes some time to process it. However the next state I got had a late fee again. So I called immediately. The agent asked me to ignore these and said the waiver is still under process. But I need not worry, once it is processed I should see a zero balance. The next month I got another statement, and this time with more late fees. I called again and got the same response. To ignore. And that is what I did. Today I got a bill for over {$210.00}. My husband called the bank and was told now that there was a {$2.00} residual interest fee slapped on the card AFTER the card was closed and that I did not see. That fee does not get waived. It grows with {$40.00} late fees added to it. Through that loop hole the bank continues to charge you till you pay up. This is a SCAM!!! Pure harassment for us.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (MD)

They are using a third party collection company to try to make me pay a debt I have no knowledge of and is not on my credit report. I never had any type of credit thru XXXX XXXX XXXX XXXXXXXX so there is no way for me to owe any balance. But I received an email requesting payment from me.