davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
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. (MS)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (DE)

Aargon Agency INC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX has been sending me collection notices in the amount of {$300.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-04-27
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. (SC)

EQUIFAX DID A POOR INVESTIGATION. I GAVE LAWS STATING WHAT THEY BROKE THERE STILL WAS MANUAL INVESTIGATION DONE. THEY CONTACTED ME THRU MAIL. THE INVESTIGATION ONLY VERIFIED MY ADDRESS AND NAME. MY PERSONAL INFO WAS ADDED TO MAKE IT SEEM LEGITIMATE. THE ADDRESS BEGINNING WITH XXXX IS NOT MINE AND PHONE NUMBER XXXX I DONT KNOW OF. 15 U.S. Code 1692c. THEY CONTACTING ME FOR A HIPAA VIOLATION AND EQUIFAX IS HELPING THEM BREAK THE LAW. THIS ACCOUNT HAS CHANGED MANY TIMES OVER THE YEAR. 17 DAY EQUIFAX CANE UP WITH NOTHING. NO SUPPORTING DOCUMENTS WERE GIVEN. I WOULD LIKE THE CONTRACT AAND MY SIGNATURE AS PROOF AND WHAT THE DEBT WAS FOR IF ANY OFF THAT INFO THAT IS SOMEONE ELSES REGARDLESS IS A HIPAA VIOLATION. I WISH FOR THIS TO BE REMOVE AS SoON AS POSSIBLE. This XXXX XXXX is using collected info from it's institution and this bureau to stay attached to my credit. I still do not know what the debt is OR PROOF ITS mine only that it has my personal info which IS not safe if a hospital GIVES XXXX XXXX ANY INFO CONTAINING TO ME IS A HIPAA VIOLATION USING STOLEN INFO I DID NOT GIVE PERMISSION TO BE RELEASED AND CONNECT MY NAME TO A ACCOUNT THATS NOT MINE. 
THERE HAS NOT BEEN ONE PIECE OF PROOF. CfPb I have contacted you too about this they came back to Equifax. 
Equifax do real investigation and see that they breaking LAWs they use to call me when I disputed the mail they sent me that should been it. Wheres the justice. This is not my debt and don't recognize it be. I wish for Equifax to do there job and protect the consumer.
Consumer complaint received 2021-07-12
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. (WI)

I am receiving constant notification via XXXX XXXX that this company is reporting my payment history as having past due payments on an account that was paid in full and closed in XXXX of 2021. I have disputed this information every month since XXXX with Trans Union. Trans Union would clear the incorrect information only to have XXXX XXXX report it again within 30 days. This month they are now reporting incorrect payment history to XXXX. 
When I was a XXXX XXXX  customer, I paid them every two weeks and I was never more than 30 days past due. I have enclosed a sample of my bank statement for your review. I was told by the company that my payments were misapplied and this was causing the issue. It was a hassle to get them to fix it and finally they agreed and corrected the report BEFORE i paid them off. Their carelessness caused me to rescind doing business with them and pay the account off to prevent future mix-ups. 
I do not understand, why this situation has not been rectified by now and it seems to be getting worst. They reported me at 100 % payment history the life of the loan, then 96 % payment history and this month is now being reported at 91 % payment history after the loan was closed which is unacceptable. This is severely impacting my credit score and causing problems with rates quoted from potential creditors. I sent an email to the company on XXXX for resolution.
Consumer complaint received 2020-07-06
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2021-02-03
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. (PA)

Identity theft XXXX XXXX XXXX  Open XX/XX/13 Amount XXXX Was in hospital under XXXX  unknown person stole personal information and used it to apply for XXXX  XXXX credit card I did not consent to this
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (CO)

I am writing to you today to dispute the recent reporting of my Military Star Card account to the credit bureaus. I am not disputing the balance on the account or any individual charge on the account. Instead I am disputing the way the account was recently reported to the credit bureaus. The initial account balance of {$0.00} is incorrect. I have had this particular account for many years and, unfortunately, there has been a steadily increasing account balance from one month to the next. 

In XXXX of this year, I contacted Military Star Card customer support to ask to have an authorized user on the account removed. I was informed that their system does not allow for an authorized user/card to simply be deactivated or suspended. Instead, the account has to be closed and a new card is issued to the original account holder. I confirmed that today with another call to Military Star Card customer service. What I was not informed of however, was that the closing of the joint account and subsequent establishment of a new account would have a SIGNIFICANT ADVERSE IMPACT on my credit report and credit score. With the change in the account number, Military Star Card reported my initial balance on the account of {$0.00}, but when looking through the history of the account, there has ALWAYS been a balance on the account. 

In just over one month, because of the way Military Star Card reported the change to the credit bureaus, my credit score went from Good credit with a score of XXXX on XX/XX/2019 to Fair credit with a score of XXXX on XX/XX/2019. 

My reported balance went from {$0.00} to over {$7400.00} IN ONE MONTH!! This is incorrect, inaccurate, and I demand a correction to the reporting of this information of my account immediately. I have included my XX/XX/2019 and XX/XX/2019 statements that indicate the change in the account number AS WELL AS A DECREASE in the balance of the account. Due to the inaccurate reporting of the change, my credit score, and my ability to receive reasonable credit terms has been negatively impacted through no fault of my own. 

Sincerely, XXXX XXXX.
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (FL)

Ditech bought out my mortgage from XXXX XXXX which was later bougth out by XXXX XXXX. It shows I have 2 open mortgages and my credit card companies are lowering my credit or closing my accounts. I called and emailed Ditech and I have gotten no answer. This needs to be removed quickly.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : National Credit Systems is not the original creditor or owner of this debt. It shows that it was XXXX XXXX. This company and their corporate office was contacted and stated they have no records of any DEBT ever owed in my name. Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX  continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages. National Credit Systems redponded to the last complaint I filed with CFPB asking me complete a Affidavit Idenity Theft form. Attached to the for they stated I should not share the form with CFPB or any other company or agency.???? Im sure due to them know they would be subject to exposure of violation of the law or my consumer rights.
Consumer complaint received 2017-12-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc. (CA)

I previously had a Coinbase account, where I would invest money. The account has locked me out, forced me to withdraw my funds, and will not allow me to re-create my account. It says I was in violations of XXXX. XXXX has referred me to this complaint process to remove my name from whatever list I would put on so I can create an account.
Consumer complaint received 2021-02-03
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: WELLS FARGO & COMPANY (VA)

XXXX  was correctly reporting a 30 day late for XX/XX/XXXX from Wells Fargo and today they changed it to XX/XX/XXXX. This is incorrect. They need remove the late for XX/XX/XXXX and instead change it to XX/XX/XXXX. Attached is what Wells Fargo sent recently!
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I pulled my credit report on XX/XX/XXXX XXXX and discovered there was two collections in my report from Portfolio Recovery Associates, LLC and two hard inquiry 's. On XX/XX/XXXX XXXX I sent a letter to Portfolio Recovery Associates, LLC which they received on XX/XX/2019. The letter will be on file. I asked Portfolio Recovery Associates, LLC for the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming their company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every  payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. I received a letter from Portfolio Recovery Associates, LLC, but they did not give me what I asked for.They did not show me any proof that I owe this monies, but a letter stating my name, account numbers, and a balance. I am forwarding all my letters for you to see and Portfolio Recovery Associates, LLC to see just in case they claim they didn't receive my letters. I have already filed a complaint on Portfolio Recovery Associates, LLC with CFPB .The complaint number is XXXX which Portfolio Recovery Associates XXXX LLC resolved account number ending in XXXX by saying that they are removing it, but did not resolve the hard inquiry 's and account number ending in XXXX
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (PA)

I contacted you about Wells Fargo repossing my vehicle illegally after refusing my payment. Your Bureau did absolutely nothing to help me. I read you helped Military members that were scammed. Regular citizens that were scammed you don't seem to care about after receiving the billion dollar fine. I gave you my complaint & your office did nothing to research my specific complaint. Wells Fargo actually refused my payment. Eventually excepting a phone payment they never submitted the payment to XXXX for payment. Then said the payment wasn't authorized. I contacted XXXX who stated the payment was never submitted by Wells Fargo for payment. Had you investigated you would have found that out. They then added a repo fees after basically stealing my vehicle. I refused to pay the extra fees. They then sold my vehicle for a third of it's actual value. I was actually sent a letter thanking me for the payment. I also have a letter stating they didn't allow ample time before selling my vehicle. My name is XXXX XXXX I'm sure you have my original complaint. I find it difficult to believe you investigated my complaint & found Wells Fargo to be in the right on this specific case
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX  has me owing {$1800.00} and its closed and this is not accurate I have not made these charges and it needs to be removed from my credit report. I have tried to dispute thus numerous amounts of times but they send me messages saying that is is accurate. Please get it removed off my report cause its not fair that Im being charged and accused of something false that I did not do
Consumer complaint received 2020-07-06
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. (TX)

showing ftc vioalations proven 
filed ftc also 
XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXX XXXXDispute
XXXX XXXXDisputeXXXX XXXXDispute
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2021-05-05
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. (VA)

In mid XXXX, I was in the home buying process. My wife and I had great credit according to the loan XXXXXXXX, however I was told Equifax had placed a freeze on my account that I had no knowledge of. I called them and they told me I had to verify my identity by sending personal documents, because my social was under someone elses name, and there was no credit history in my name ( have had credit card for years ) I faxed these docs in XXXX, multiple times, and mailed them. I had do manual underwriting on my mortgage loan or else I would have lost the house because of Equifax. The last week of XX/XX/2020, I was told my documents were finally received and that the issue was fixed, and to wait XXXX months to see a score appear. Flash forward to now, I call Equifax, they tell me I have NO CREDIT HISTORY again. And I have to send in My personal documents, AGAIN. My problem was never fixed apparently. There are multiple other people who have had this problem. My wife and I have a home improvement loan, a mortgage, and credit cards. I have not had an issue with other credit bureaus. I feel like my life is being held XXXX by Equifax, I wont be able to get any type of loan in just my name despite having a responsible credit history because Equifax wont fix my report and still thinks I dont exist.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I have been disputing these negative items on my consumer report to no avail, I've requested the credit reporting agencies to send me proof that validates this debt is mine. I have yet to receive any response let alone proof or the proper documentation. I was told that I could file a complaint with the CFPB and you guys would be able to help me in this matter. 

I have attached the letters and the accounts that I am requesting to be removed down below in the attachments section
Consumer complaint received 2019-08-13
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)

XXXX HAS CREDIT INQUIRIES ON MY FILES THAT ARE NOT MY AND I DID NOT AUTHERIZE : INQUIRIES XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXXXXXX | NOT MINE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NOT MINE XXXX  XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE XXXX XXXX | NOT MINE
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION (TX)

Customer : XXXX XXXX XXXX XXXX. 
Point of Contact : XXXX XXXX Account XXXX Customer ID XXXX Card # : XXXX XXXX XXXX XXXX XXXX is a XXXX XXXX conducting business in the XXXX XXXX XXXX Area. Between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX there were XXXX fraudulent fuel transactions in XXXX cities in the XXXX XXXX, XXXX and XXXX, where we do not transact any business for a total amount of {$3900.00}. The card has been in our possession and has never been lost. On XXXX I received a call from XXXX XXXX, the XXXX representative assigned to our account, that the disputed card was declined several times. I told him the card was in nor possession and we were not using it. The next day XXXX I reviewed the card transactions and it was apparent that the card was skimmed somewhere and used in the XXXX metro area. 

On the same day XXXX I contacted XXXX 's afterhours support and had the card blocked from further usage and initiated a fraud claim. XXXX denied our claim stipulating : " this dispute was denied based on the XXXX Reserves XXXX XXXX which provisions what we call the XXXX rule. To clarify, this government regulation states that if a business has XXXX or more cards issued to them, then that business is responsible for any and all transactions on the account, whether they are counterfeit or not. 
" We did not use nor did we authorize the use of the disputed card for the fuel transactions or any other transactions in the XXXX metro area. Attached are the complaints, email communications with XXXX staff, and an XXXX file containing the disputed transactions. Please let us know if you need further information. Thank you.