davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-07
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. (NC)

Experian has a hard inquiry on my credit file that was not made by me. It is from XXXX XXXX, XX/XX/2019. 



I called Experian about this and was told I needed to contact the company who listed it ... why do I need to do that? It is their responsibility to verify information they are posting on my credit report. They should be able to produce something I signed giving them access and i know I signed nothing of the sort! This is unfair and they have not removed it nor verified it to me.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 2018-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (AZ)

I called several times to inquire why I was charged {$160.00} for other fee. No explanation was given and they didn't know! All things considered the other fee is inappropriate and improper. My account number is XXXX with SANTANDER CONSUMER USA.
Consumer complaint received 2018-06-19
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. (OH)

Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX-Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Branch XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USCB, Inc. (TX)

I was a member of XXXX XXXX since XX/XX/XXXX as l was employed by XXXX XXXX XXXX XXXX XXXX and since l retired on XXXX XXXX on XXXX XXXX Lifetime in XXXX.California. 
All Medical visits was paid by ex employer XXXX. 
XXXX XXXX in California has sent me to collections and ruined my credit and scores with XXXX.XXXX and XXXX. 
XXXX has me in collection for {$180.00} with interest and charging me interest of {$8.00} each month l do n't pay. 
I had a Medical number with XXXX California # XXXX. 
I am on XXXX XXXX Lifetime and Retired. 
I am on Prescribed Medications for my XXXX XXXX.
Consumer complaint received 2018-06-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Data Systems (NC)

Upon pulling my credit I noticed Financial Data Systems had reported debt to all three credit bureaus. I sent a debt validation request on XX/XX/18 which they never responded and sent a second letter on XX/XX/18 requesting that they stop reporting this debt due to failure to validate within 30 days required by the FDCPA. They continued so I filed complaints with the XXXX, CFPB and FTC and they proceeded to call my phones. I never recieved phone calls prior to my complaints with the mentioned agencies. Financial Data Systems has started calling my phone leaving messages offering a pay to delete the accounts. I will NOT pay to delete accounts that they will not furnish proof of. As of XX/XX/18 I have mailed them a certified cease and desist order to end further calls to my home and cell phones. The following are dates where FDS has called and left messages from phone number XXXX : XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX, XX/XX/18 @ XXXX XXXX  and XX/XX/18 @ XXXX. This company has refused to provide debt validation and therefore has no reason to continously call my phones. Until there is proof of debt there is no need to converse via phone.
Consumer complaint received 2024-03-05
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. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 2020-11-07
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. (GA)

Equifax has incorrect information on my credit report, I notified XXXX XXXX XXXX XXXX about this they said Equifax reported the information incorrect, I am not disputing anything on my credit report on my XXXX XXXX XXXX XXXX credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with XXXX XXXX XXXX XXXX about my credit card please fix this
Consumer complaint received 2020-11-07
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. (CA)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be removed promptly. I demand these accounts 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 2022-12-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Since XX/XX/2022, the account has been disputed with XXXX XXXX  multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNT BEING DISPUTED DOES NOT BELONG TO ME, THIS ACCOUNT HAS BEEN HINDERING MY CREDIT AND I NEED IT OFF MY REPORT AS SOON AS POSSIBLE. I DID NOT AUTHORIZED THIS ACCOUNT TO BE REPORTING ON MY REPORT AND I ASKED THAT THIS MATTER BE INVESTIGATED.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX Balance {$1100.00} XXXX/XXXX Balance {$4500.00} XXXX XXXX Balance {$2000.00} XXXX ( Original Creditor XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Balance {$230.00} ( Original Creditor : XXXX XXXX ) Balance {$1100.00} ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XXXX XXXX XXXX Balance {$34000.00}
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (GA)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} 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 2020-11-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (FL)

Hello, Reaching out today in regards to a previous Auto Loan that i had with Wells Fargo Dealer Services that has been completely paid off more than 5 months ago ( XX/XX/XXXX ). 

On XX/XX/2020 i traded in my car into the XXXX XXXX and when doing that the dealership paid off the complete balance owed to Wells Fargo Dealer Services which was more than {$13000.00} in order to remove the Electronic Lien placed on the car. Days later the new credit account for the new car that i purchased through XXXX XXXX showed up on my credit report as it should but the Wells Fargo Dealer Services had yet to come off, and its been almost 6 months already. 

Around Mid - XXXX i contacted Wells Fargo Dealer Services directly and spoke to their rep who assured me that everything was Okay and that the account would be removed from the credit report within 90-120 days as their company only reports monthly. Sadly, the 90-120 days came and went and still to this day my credit report is reporting an additional $ XXXX of debt on my report that frankly doesnt even exist. Because of the fact that this hasnt been removed yet its actually hurting my score every single month more and more and at this point dont even know what to do to get this taken care of. 

Iv traded in multiple cars before in my lifetime and have never had an issue like this. The credit account of the traded car has always been removed within a month or two. 

In this case we are going on almost 6 months, AFTER they been completely paid and balance is at {$0.00}. 

Would appreciate help with this matter as Wells Fargo Dealer Services isnt doing what needs to get done. To recap, they got all of theyre money paid to them 5-6 months ago, but still to this day report my credit monthly that my account is still open and with balance. 

Thank you in advance!
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CBC Credit Services, Inc. (MI)

XXXX or XXXX XXXX XXXX contacts me multiple times a week about a medical debt. I have made payment s as often as I could and eventually pay th bill off. I gav cask d repeatedly to only contact me via mail. So inst ad they contacts my parents house. The man that calls is rude and hateful. I get st least five calls a week. I want it to stop!
Consumer complaint received 2024-03-05
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. (GA)

I would like to express my utmost concern regarding fraudulent items on my account that have not been promptly addressed despite multiple attempts to resolve the issue. As a valued customer of your institution, I trust that you will take immediate action to rectify this matter. 

It has come to my attention that there are unauthorized transactions appearing on my account statement, which I strongly believe to be the result of fraudulent activity. I have made several attempts to report these unauthorized transactions and have provided all necessary documentation to support my claim. However, the fraudulent items remain on my account, and the issue remains unresolved. 

I demand swift action to remove the fraudulent items from my account and conduct a thorough investigation into the matter to prevent any further unauthorized activity. It is imperative that my account is restored to its accurate and secure state without delay. 

Furthermore, I expect clear communication from your institution regarding the steps being taken to address this issue and prevent similar incidents from occurring in the future. As a victim of fraud, I deserve transparency and assurance that my financial well-being is being safeguarded by your institution. 

I urge you to prioritize this matter and take immediate action to rectify the situation. Failure to do so will compel me to escalate this complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (IL)

Reviewing my credit card at the online site, I noticed that my credit limit decreased from {$3000.00} to {$1500.00}. On XX/XX/year> I called and spoke with a customer service representative and explained that my credit limit was deceased. I confirmed in the past 12 months, I was late making a payment once, this was in XXXX XXXX, the payment was made on the XXXX day after it was due. I requested to speak with the department that could listen to my complaint ; and honor my request to to appeal. I was told XXXX XXXX XXXX does not have a department like that. I was then told that I would have to dispute the decrease with TransUnion ; the credit bureau because they determined that my XXXX credit limit should be decreased. I am disputeting this info. After my late payment in XXXX, XXXX did a soft credit pull and because of adverse I formation on myveport ; XXXX reduced my credit card limit, this is what I believe oppose to the info I was given ; that transunion reduced my credit limit amount based on adverse info on credit. Then my credit limit was decreased from XXXX to XXXX ; my current balance at the time was XXXX ; so now my credit card utilization is at 90 % ; which is not a fair reflection of my credit report I Iwould like my account reviwed and my credit limit returned back to XXXX.
Consumer complaint received 2023-06-13
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: EQUIFAX, INC. (NC)

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 XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX WY XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} ; XXXX XX/XX/XXXX ; EQUIFAX MTG XX/XX/XXXX.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

I froze all three accounts at the credit agencies after XXXX 's breach of trust ( and data ) and signed up for XXXX. Just after XXXX XX/XX/XXXX, I received an email from XXXX 's XXXX that a credit inquiry was made on XX/XX/XXXX. 

I am aware ( and specifically permitted ) the inquiry but it was performed the morning of XX/XX/XXXX. 

I am concerned about the lack of timeliness of the notification and its inaccuracy. If someone had succeeded in creating the loan or gotten into my accounts, they would have been long gone by the time I was notified. And, the misinformation given would not help in identifying who or when the inquiry was made. 

When someone " new '' logs in to my bank or other financial accounts, I get email and text notifications within minutes of the event. XXXX  should be able to do the same thing. 

Attached are 1 ) the Equifax email as a PDF showing date and time, 2 ) a screenshot of the XXXX   showing the date of inquiry as XX/XX/XXXX, and 3 ) a screenshot of the approval email from my bank with a date of XX/XX/XXXX at XXXX.