davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
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: WELLS FARGO & COMPANY (GA)

I was at my friends house for a party on XX/XX/XXXX than I woke up the next morning and my car was missing along with my Wallet when I left in the car so I I file a police report on the XXXX and then on the XXXX I found out there someone use my debit card to withdraw XXXX $ Plus they also rented a hotel room I jist want my XXXX $ dollar but Wells Fargo say they didnt find anything fraudulent. As soon as I found out my wallet was missing I report jt stolen right away I even sent them a copy of the police report. They found my car on the XXXX or XXXX I think and it was total there was nktjnf left in it so now Im out of a car and out of XXXX $! $!
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$37000.00} ; XXXX XXXX  XXXX Balance : {$34000.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$75.00}.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

During a breach in XXXX, my personal information was potentially hacked. The breached company offered free credit bureau 'locking ' services which I took advantage of with Equifax . Now that I am applying for a mortgage, the lender needs access to my bureau. After unsuccessfully attempting to reset my password through Equifax 's website, on XX/XX/XXXX, I called customer service. I was barraged with questions to identify me ( which I understand ) but the questions were very vague and open ended, such as " who have you had a car loan with? '' Well, I am XXXX years old and have had a dozen cars between me, my ex-wife and XXXX kids ( now adults ). Customer service would not clarify what timeframe so I just named all of the cars I had ever had. Apparently, I got that right, so she then asked me the amount of the payment. " For which car? ", I asked. She would not specify. This is but one example of many frustrating questions I had to answer without specificity. I was further infuriated by the fact that I was clearly speaking to someone overseas and who knows where all of my information is now. I must have answered all of the questions more or less correctly because she unlocked my bureau for 5 days. I asked why I was unable to reset my password on-line. She said that system has not been working. " For how long? ", I asked. " For over a week '', she answered. Now, on XX/XX/XXXX, the lender needs to revalidate my information. I just tried my password, it didn't work, clicked the " forgot password '' link, and response is a reset link has been emailed. ( Same scenario are earlier in the month. ) Again, I have not received an email and have to call Equifax again to go back through the earlier drill. Hopefully, I will remember the amount of my car payment on my XXXX XXXX XXXX.
Consumer complaint received 2023-01-12
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: EQUIFAX, INC. (GA)

I acquired my consumer report and asked the consumer reporting agency to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). 

I waited 30 days and received my investigation and noticed everything is still the same. The consumer reporting agency which is Equifax did not remove the account. 

A complaint was filed with the XXXX XXXX XXXX XXXX XXXX XXXX about XXXX XXXX XXXX XXXX reporting on my consumer report inaccurately and the company responded by stating a request will be sent to the consumer reporting agencies to remove their account from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX and XXXX have removed the account from my consumer report however Equifax has not. Equifax is still reporting the following account on my consumer report. 

Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX This is a violation of my consumer rights. This inaccuracy is impacting me from buying a home for my family, and having the ability to provide a moderate living for my family. 

Attached is a copy of the XXXX  complaint with the response received from XXXX XXXX XXXX XXXX to show how Equifax is violating my rights.
Consumer complaint received 2017-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My loan was rehabilitated with XXXX XXXX of XXXX, Texas. The signed agreement with them was that once I completed rehabilitation ( which I did in XX/XX/XXXX of this year ) I would be able to choose between different lenders, and different repayment options, in particular the income-based option. I never heard from anyone. Then just a couple of weeks ago I heard from Pennsylvania Higher Education Assistance Agency that payments were due. I never received any prior communication from PHEAA. They did not mail, email, or phone call me about the loan, different repayment plans or options ( as agreed when I signed up for rehabilitation ) or anything. They did not send me a contract for the new loan. I never signed a contract because, obviously, it was not sent. This amounts to Unfair Lending Practices, as well as Predetory Lending, as the total amount of the loan has gone from around {$120000.00} to {$160000.00} - PHEAA has added {$35000.00} to the loan, which amounts to Inflated Fees and Charges. By not informing me, not sending a contract, not giving me the original agreed upon option, PHEAA has committed Inadequate and False Disclosure. And in taking the loan from XXXX, and adding usurious fees, PHEAA has committed Loan Flipping. The XXXX XXXX XXXX XXXX is also liable. They sold part of my loan to XXXX. They never informed me, XXXX also failed to inform me. I was paying the loan off at the time through the XXXX XXXX XXXX XXXX, but neither informed me that part of it had been sol, and then it went into default. This was a Predatory Loan as well, as it was designed to fail. When I tried to rehabilitate the loan with XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX, twice my papers for rehabilitation and reconsolidation were never completed by them. In roughly four years, my student loan debt has gone from around {$57000.00} to {$160000.00}, due to the above detailed circumstances, and the new policies of the XXXX XXXX XXXX XXXX which favor Predatory Lending and Unfair Lending Practices. I will be seeking others in my situation in the interest of potentially pursuing a Class Action Lawsuit, a process that the PHEAA is more than familiar with, as is the XXXX XXXX XXXX XXXX. I have attempted to the best of my ability for the past four years to keep in touch with the XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX and now PHEAA, all four of which have engaged in sloppy mismanagment of my account, which has allowed the debt to almost triple in size. Note in the attached documents that there is no contract or papers from PHEAA, as I never received any, nor signed any. Their loan, and attempts to collect it, are illegal, for the reasons cited above. However I will repay the loan as I do not want it to go into default. The fact that I am repaying the loan should not be taken as an indication that I agree to the terms : I simply have no other option at the moment, other than letting it go back into default.
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

All XXXX XXXX accounts on all bureaus needs to be disputed and delete. 

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.

15 U.S.C 1692g states I have rights to validation of debts and also that I gave written communication to allow these accounts on my credit report.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX  XXXX XXXX ( XXXX  : Complaint XXXX ). 

Recently, I had to dispute an erroneous late payment with XXXX  XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. 

However, because of XXXX 's actions, there were domino effects. I had an account with XXXX and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information Transunion sent to them, which was based on XXXX  XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from Transunion. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. 

I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to XXXX, they told me to contact Transunion as their decision to close my account was based on a letter sent from Transunion. When I reached out to Transunion, they told me to contact XXXX. 

I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the XXXX  account is in good standing, my communication with XXXX  regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. 

Best, XXXX
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Experian advertise free credit report. I signed up to get my free credit report and was later charged {$14.00}. I did not sign up for this monitoring service. I called Experian and they told me that they could not refund me after trying to sell me on the service. I had to insist that I did not sign up for this service to finally have them issue me a refund. Experian says all over the website FREE credit report. I was never aware that I signed up for credit monitoring for XXXX. This is a bad practice from Experian. I have used XXXX and XXXX for free credit report and was never placed in a monthly credit monitoring program. This practice by Experian is deceitful and harmful to consumers. I am not a rich person and check by bank statements daily. If I did not check on this bank account, I would just have paid the XXXX monthly
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (TX)

These accounts are not mine Ive been incarcerated since XXXX  I have recently been to release all the listed accounts and inquiries are fraudulent Heres a list of accounts : XXXX XXXX acct  XXXX, XXXX XXXX, XXXX acct XXXX, XXXX XXXX acct  XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX acct XXXX,. inquiry XXXX XXXX,. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 Section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 Which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states A creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the accounts must be removed These accounts is violating my rights and must be removed immediately thank you
Consumer complaint received 2022-05-03
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. (FL)

According to 15 USC 16981 ( B ) -I never gave these companies permission permission to run my credit for any inquiries. While checking my credit report in XXXX i noticed all of these inquiries of my report, I contacted all three Credit Bureaus to advise them and asked them to delete the information to no avail. This was my next step, I would like all of these inquiries to be removed from my credit report, because i never agave them permission run my credit or per 15 USC 1962 B ( 2 ) a Consumer has the right to privacy, I did not give anyone written permission to list or report any information on my credit report. Please delete all of the unauthorized inquiries : 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 2017-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

On around XX/XX/XXXXMy Dad XXXX XXXX XXXX was approved for rental at XXXX XXXX XXXX in XXXX, California, because of his employment salary and wage earning potential was in prosperity for XXXX XXXXXXXX Approvals. XXXX XXXX XXXX made my Dad Principal on the lease contract because me and my sister XXXX XXXX were student in college and we was n't able to pay rent and take responseability of the high rent payment over {$2000.00} a month. Also my mom XXXX XXXX XXXX employment salary was insufficient as she was making a minimum wage salary. On CFPB portal message board, XXXX XXXX XXXX or Legal representative stated that they provide a debt validation around XXXX in which me XXXX, my sister XXXX and my Dad XXXX XXXX XXXX and Mom XXXX XXXX XXXX has never received. I am requesting a debt validation and lease contract with my handwritten official signatures of me XXXX, XXXX, XXXX and XXXX XXXX XXXX. If there is a signatures on XXXX XXXX XXXX, it should be our official handwriting signatures and not a computerize signatures because we did n't approve of hand signatures. If XXXX XXXX Management or Legal Representatives states that I agreed and family agreed that is a false accusations.I have the right and family have the rights to officially signed lease contract with our very own official handwritten signatures to protect us from Identity Theft and privacy issues. The Privacy Act of 1974,5 U.S.C & 552 a establishes a code of fair information practices that governs the collection, maintenance, use and dissemination of information about individuals that is maintained in systems of records by Federal Agencies. Other agencies and Private businesses must keep Consumers Personal Data protected under the Privacy Act. I am requesting respectfully a Federal Investigations against La XXXX XXXX in XXXX, California and their legal representations.
Consumer complaint received 2022-05-03
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. (FL)

The Credit Bureau have several inaccuracies on my Credit report, which per the laws set in place from the FCRA, they are in clear violation. The Fair Credit Reporting Act has laws to protect me and other consumers, but the credit bureau willing know this and still have these error reported which is very shameless they are doing this.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You have successfully submitted your complaint! 
A message has been sent to you with instructions on how to track your complaint. 
ID FOR COMPLAINT SENT TO TRANSUNION LEGAL DEPARTMENT XXXX ID FOR COMPLAINT SENT TO XXXX LEGAL DEPARTMENT XXXX I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged 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