davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
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. (WA)

On XXXX I had to re-dispute wrong information with Experian, that was placed on my credit report regarding a car loan I had, through a company by the name of XXXX XXXX   XXXX sending them a letter from XXXX   XXXX, showing proof that it was paid off. XXXX XXXX reported that I was 30 days late on my car payment, which was incorrect. I traded the vehicle in before I reached the 30 day mark, yet they never updated it in their system. I first contacted Experian, XXXX, XXXX, and the lender XXXX on XXXX, upon seeing they reported incorrect information on all three of my credit files, which also drastically dropped my credit scores. Upon a completed investigation, XXXX and XXXX concluded my complaint was true/valid, and updated both credit filesremoving the 30 day late report from XXXX XXXX, to on-time payments. While Experian concluded that the lender said the 30 day late remark was accurate, leaving the derogatory/false reporting on my report. While checking the status of my dispute on my Experian credit file, I noticed that not only the remark I had disputed was still on my report, but a second late remark was added to my Experian report from XXXX XXXX on XXXX. Although on all three credit reports, it now shows that my old car loan with XXXX XXXX is paid off and closed, also shows the finance company ( XXXX XXXX XXXX ), for my new vehicle has been added. So I have no understanding why Experian or XXXX XXXX is still reporting late payments on my old car loan. I even called to speak with both companies and was rudely brushed off by Experian and told they couldnt do anything because XXXX XXXX reported the late payments as being accurate, yet XXXX XXXX insisted everything is updated in their system, even sent me a letter. Being that the other two credit bureaus found the 30 day late report to be inaccurate, not allowing another late payment to be placed on my credit report, it seems Experian isnt following proper protocol, adding false information to my credit report.
Consumer complaint received 2017-09-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AAA Auto Title Loans, LLC (NV)

I have been a victim of fraud. Several credit/loan accounts have been opened in my name. Including accounts for XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX ( IXXXX XXXX ), XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ), XXXX XXXX ( XXXX Next Card ), XXXX XXXX, XXXX XXXX XXXX, several Payday Loans, Installment Loans and Checking and Savings with XXXX XXXX The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXX XXXX Account. The bank account these were maintained through was fraudulently opened through several prepaid debit card accounts and a XXXX XXXX account and XXXXXXXX XXXX Account. My mail had also been intercepted by the perpetrators for over two years. ANY good that were shipped and bought with ANY of those accounts I DID NOT Receive. Several Payments were made to keep accounts looking good while maxed out so I DID NOT find out about the accounts until much later and the damage had been done. The prepaid bank accounts, XXXX and XXXX accounts that made payments on these alleged accounts was opened and funded fraudulently.
Consumer complaint received 2017-09-11
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)

After the Equifax data breach, the company waited over a month to send out a press release ( and during this time period three major figures in the company sold a significant portion of their stakes in the company, which is ethically questionable ). Equifax did not contact me directly, so I had to find out about the data breach via word of mouth. Their website did not clearly direct me to their SEPARATE website ) ( equifaxsecurity2017.com ) where I could check if I my personal data breached. 

When I finally inserted my information into their new website to find out if it had been compromised, the site said it likely was and only offered one year of credit monitoring with their product TrustedID. I am still waiting for my given sign up date to enroll in credit monitoring, and there is a lot of unclear messaging about whether enrolling in TrustedID would mean that I can not participate in a class action suit against TrustedID. For now, they only reassure consumers that enrolling in TrustedID will not prevent us from participating in a class action suit against Equifax for the breach. 

I now have very little trust in this complementary credit monitoring product ; if Equifax could be affected by such a severe data breach, surely its TrustedID product similarly might be victim to such a cyber attack. Moreover, why is it only offered for a year? They should offer complementary monitoring for as long as we still have the same social security number ( i.e. indefinitely ). 

I hope there is a proper government investigation into the company 's leadership regarding their response before making this public and also how they have failed to properly protect their consumers afterward.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I requested a copy of my consumer credit report and was surprised to see there were accounts that didnt belong to me so I contacted my bank to have them to freeze all my accounts until further notice
Consumer complaint received 2017-09-11
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. (NY)

I received an email from Equifax about by credit information having been stolen from their companies records/databases. I visited their website to place a temporary freeze on my information that is maintained by their companies and once entering my information as they requested I received a 500 error ( process not available ). So, I also can not freeze my information with them today. XXXX/XXXX/XXXX. I also visited their website and they asked me to wait until XXXX/XXXX/XXXX to utilize their monitoring alert program. I do n't know if I would like them to monitor something they should have been protecting to begin with. 

It seems that Equifax is trying to get me to buy more protection from them.
Consumer complaint received 2017-09-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

The money suppost to be delivery 3 to 5 business day and now ist over 10 business days and has not been delivery yet and the bank dose not giving me an answer they said that dont know where the money is?? An amount of {$5000.00} us dollars
Consumer complaint received 2019-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center (TX)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX acct : XXXX Ref : # XXXX XXXX is attempting to collect on a debt. I have made communication with a XXXX XXXX requesting validation of this debt, their Authorization and HIPAA release. They are unable to provide HIPAA sign release of medical information. Requested information XX/XX//2019 The copy of a bill on XX/XX/XXXX is all I have received,
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX
Consumer complaint received 2017-09-11
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. (NY)

In late XX/XX/XXXX, I noticed a fraudulent charge on my XXXX XXXX at a XXXX XXXX in Oklahoma for {$870.00}. I 've never been to Oklahoma, so I knew this charge was obviously fraudulent. I called and had the charge removed, and was issued a new card. This is the first time I 've ever had that happen to me. I received a call from XXXX on XX/XX/XXXX asking a follow-up question about the charge. I called back on XX/XX/XXXX, and they asked if I knew a " XXXX XXXX '' to which I said " No. '' On XX/XX/XXXX, I learned about the Equifax hack, and that the two may be connected. On XX/XX/XXXX, I checked www.equifaxsecurity2017.com to see if my information was impacted, which it was. On XX/XX/XXXX, I checked my credit report through XXXX, and placed a 90-Day Fraud Alert with the three credit-reporting bureaus, through XXXX. I plan on submitting an IRS Form XXXX, and enrolling in Equifax 's TrustedID Premiere before the enrollment period ends on XX/XX/XXXX.
Consumer complaint received 2017-09-11
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. (NE)

Equifax discovered that from midXXXX through XX/XX/XXXX their files were accessed by individuals outside of the company. Because my personal information was stolen I believe Equifax should be liable in the event that I am harmed by this data breach. I do not know the extent of the damage as of yet and I may never know.
Consumer complaint received 2017-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I contacted Portfolio Recovery Associates in regard to the debt that they placed on my credit report in XX/XX/XXXX. It was an original debt by XXXX XXXX. There was some fraudulent charges on the account in XX/XX/XXXX. XXXX XXXX closed the account in XX/XX/XXXX. XXXX XXXX  is not even on my credit report anymore. They did the right thing. Portfolio Recovery Associates informed me that this account was opened with XXXX XXXX back in XX/XX/XXXX. This account was opened with XXXX XXXX in or around XX/XX/XXXX -XX/XX/XXXX. The account with XXXX XXXX was closed in XX/XX/XXXX. However, Portfolio Recovery Associates placed a collection on me. I did n't know it until I pulled my credit report back in XXXX. They claimed to have placed it there in XXXX. I told them to send me something in writing to prove the debt and they have not. They also told me that an attorney has not been assigned to the debt. They have not sent me anything. They just want money. I spoke with them again on XX/XX/XXXX. That is when I gave them my address. They never even had the address, so how could they have even sent me notice. I want this debt removed from my credit report because this is wrong on many levels.
Consumer complaint received 2017-09-11
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. (DE)

there are several fraud inquiries on my transunion report that were never authorized by me from these creditors, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and 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 and XXXX XXXX XXXX on XXXX and i have disputed these with the creditors numerous times and they all need to be deleted from my credit report asap by transunion
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (NY)

I applied for a refinance with Citibank. I was attracted with a {$1000.00} discount on closing cost. I had closed on the refinance. I haven't received my {$1000.00} discount. I have asked Citibank a couple of times. I have always been told to wait.
Consumer complaint received 2017-09-11
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. (MI)

I faxed my police report and identity theft affidavit on XXXX XXXX, XXXX, indicating unauthorized credit inquiries on my credit report. I am aware that the credit bureaus have 4 days to block and remove fraudulent information. They have not complied with the law on removing the fraudulent information and addresses. I contacted CFPB on XXXX/XXXX/XXXX requesting for issue to be resolved. The issue was not resolved. I need my request to be handled and the inquiries and other info listed on report and affidavit to be removed.
Consumer complaint received 2017-09-11
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. (TN)

Equifax used website to have personal information entered to give a reply if such personal information was compromised. Website that was used for this from Equifax has been reported as fake and may have compromised the information if it was not before.
Consumer complaint received 2024-02-18
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. (RI)

XXXX is reporting an inquiry on my credit file. On XX/XX/2024 XXXX XXXX  got a report of my credit without my authorization. I have no business with that company.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (CA)

In according with the Fair Credit Responding Act XXXX XXXX XXXXXXXX XXXX account XXXX, ( XXXX XXXX ) has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1. TransUnion 2. XXXX 3. XXXX The/XXXX  I 'm authorized XXXX XXXX is primary account I  am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

TransUnion and XXXX accounts not reporting : 1. TheXXXX Opened XXXX XXXX balance is {$2100.00} 2. XXXX XXXX opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XXXX XXXX. XXXX XXXX accounts not reporting 1. XXXX XXXX Opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XXXX XXXX, XXXX
Consumer complaint received 2021-11-30
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. (TX)

RE : XXXX XXXX I have disputed directly with XXXX and Experian about this account. Again, they continue to report whatever they want to report. XXXX comments show the account as payment after charge off but Experian comments show and unpaid loss by the credit grantor. How can that be when XXXX is the only furnisher of information. Experian does not show date for last payment while XXXX does. Experian continues to report charge offs back to back in the payment history when the account was already charged off. I have disputed inaccuracy also with nothing being done. XXXX shows the account type as utility company but Experian shows the account as unknown? All these inaccuracies yet they continue to report the account and ignore my dispute! What was the open date and why does it have 2 open dates. When I have disputed especially with Experian and XXXX my disputes are ignored. I believe they stall with everything in their power to deter consumers like myself from disputing, This account continues to damage my credit. I can not obtain electricity for my future residence with the inaccuracies reporting.
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA Mastercard statement ending XXXX closing date XX/XX/XXXX. I DID NOT APPLY FOR OR AUTHORIZE THIS ACCOUNT USAA OPENED. 1 ) ** PROVIDE. ORIGINAL WRITTEN DOCUMENTATION TO VERIFY THIS IS/WAS AUTHORIZED BY ME TO OPEN THIS ACCOUNT. THE DEBT FROM THIS ACCOUNT IS NOT MINE. See attatched XX/XX/XXXX Collection Letter of card ending XXXX THIS IS NOT NEVER HAS BEEN MY ACCOUNT. 2 ) ** PROVIDE ORIGINAL WRITTEN PROOF THIS IS/WAS MY ACCOUNT AUTHORIZED TO USAA TO OPEN IN MY NAME.
Consumer complaint received 2017-09-06
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: AES/PHEAA (GA)

My name is XXXX XXXX XXXX XXXX When I received a copy of my credit report back in XXXX XXXX, I discovered that FED LOAN SERVICING STUDENT ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts, and did not even seek a high education or attend college. So these accounts do not belong to me.
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Chase sent letter stating the restructure of interest only loan to principle and interest loan which more than doubled our payment to over {$2400.00} a month beginning in XXXX. We contacted them for assistance right away. Completed paper work twice, to no avail. They switched case manager in middle and started again. Had never had a late payment ever until XXXX, when my SS benefits could n't cover increase.
Consumer complaint received 2020-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

'Capio Partners ' of XXXX Texas is attempting to collect a debt for 2 doctor 's visits in XXXX. Both are billed separately ; both are billed on the same date. One is for {$79.00} and the other for {$120.00}. 

I never have been to a doctor who I have not paid. Also, if I go to a doctor, they usually collect the money first. 

I have no idea what this charge is about and neither does the collection bureau. 

This notice of approx. {$200.00} was mailed to me on XX/XX/XXXX. 

Before this I had a credit score in the high XXXX 's. Now it is in the low XXXX 's. 

I was advised of this infraction when I spoke to XXXX and XXXX. Both told me that would accept my business, but both referred to my rectifying this fraudulent charge. 

Please help me with this. 

And, thank you.
Consumer complaint received 2017-09-09
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. (TN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2022-02-28
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. (OH)

Good afternoon, I am XXXX XXXX. I am a victim of identity theft. I have listed the accounts that I did not create. This is wrong and I ask that all items be deleted. I need these items deleted. So, the correct information is listed on my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

God Bless, XXXX XXXX