davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

I have tried to rectify this with XXXX XXXX as well as the credit bureaus numerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/FIS - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and XXXX took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on XXXX laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.
Consumer complaint received 2022-08-15
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-10-16
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)

Account payment history is inaccurate and in violation of the FCRA because EQUIFAX is reporting account XXXX XXXX payment history reportsXX/XX/2019 90 days past due when transunion is reporting XX/XX/2019 current this is factual and is inaccurate and this account needs to be deleted from the report. the account status says 120 days past due but the reported balance says XXXX  as inaccurate and is in violation.
Consumer complaint received 2022-02-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I am trying to get to the bottom of the issues on my credit report. I have sent letters over 30 days ago to each credit bureau to dispute the numerous incorrect items on my credit report and have yet to hear anything back. I am trying to put my life together and make some big purchases but the many things on my credit reports that do not belong to me are getting me denied for so many things. I can't buy property, get approved for credit cards or increase my family 's financial situation. This is putting a strain on my home life and I am now at a loss as to what to do.
Consumer complaint received 2020-11-26
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. (TX)

On XX/XX/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the Equifax data breach and those accounts need to remove ASAP or I will file a litigation.
Consumer complaint received 2022-02-05
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. (AR)

from your website : CFPB Orders TransUnion and XXXX to Pay for Deceiving Consumers in Marketing Credit Scores and Credit Products they are still deceiving people looking for their credit score ..the transunion.com website will not show credit score.. has a link " to see your credit score '' only way to see your credit score from transunion .. you must purchase your credit score by signing up for XXXX per month. 

on top of that i applied for a medical loan for services not covered by insurance through XXXX  and XXXX  XXXX XXXX through my doctors office .. loan was denied information supplied by transunion siad my credit score was XXXX. 
XXXX  and XXXX show my credit score as over 700 on top of that transunion is incorrect showing my mortgage was not paid. i dont have time to correct then reapply for medical expenses loan..
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I have tried to rectify this with XXXX XXXX as well as the credit bureaus numerous times and all companies have completely ignored my complaints. 
I have a charge off on my credit report : EMVLP LLC/FIS - XXXX claiming {$11000.00} dollars owed when the car was turned in back at the start of COVID. The reason was the car continued to have problems where I was having to take it back to get fixed. Eventually, within 1 year of purchasing the car, the engine seized up and XXXX took the car. I have tried contacting them several times as well as the XXXX XXXX in XXXX XXXX which was where the car was purchased in reference to this. After reading up on XXXX laws, and debt collection laws here in California, what I found out is they resell the car and are supposed to apply the resale amount to your original loan, dropping the balance on the file. I have disputed this information several times with the Credit Bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The Credit Bureaus investigated with EMVLP with my inquisition of the wrong dollar amount and they came back that the information was accurate. From further reading the FCRA, if an item is deemed inaccurate/non verifiable it must be removed from the Credit Bureaus within 30 days. 
I am concerned that the bureaus did not even investigate the information, same with EMVLP not crediting the proper amount to the loan.
Consumer complaint received 2024-02-15
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. (CA)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2020-09-10
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. (TX)

all credit agencies reporting outdated and fraud accounts not mines : " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX '' ... .REMOVE ALL ABOVE FROM CREDIT FILE ASAP
Consumer complaint received 2015-10-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

On XX/XX/XXXX i fell and XXXX and I 've been out pf work. They keep calling me even when i explained my situation that i have n't worked because of my injury. They are also harassing my references i gave them.
Consumer complaint received 2020-09-10
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)

all credit agencies reporting outdated and fraud accounts not mines : " XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX '' ... .REMOVE ALL ABOVE FROM CREDIT FILE ASAP
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I was shopping for an investment property mortgage refinancing and XXXX XXXX XXXX ( XXXX ID XXXX ) from Wells Fargo, XXXX XXXX, Iowa was helping me. He quoted me an interest rate of 3.5 % with a 3.679 % APR. He also stated my credit score was XXXX. My credit score is around XXXX from the XXXX credit bureaus. In addition, XXXX stated the appraisal fee would be {$470.00}. When XXXX e-mail me the loan paperwork, the interest rate is 4 % and there is a whopping {$8000.00} closing costs for the loan. The appraisal fee also changed to {$720.00}. I called XXXX and e-mailed XXXX asking why. He never returned my calls or respond to my e-mails. This is deceptive advertising on behalf of XXXX and Wells Fargo. I do n't know how many more consumers are being ripped off from people like XXXX and Wells Fargo if they do n't read their paperwork. Something should be done about this.
Consumer complaint received 2016-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I went to school in XXXX, FL - XXXX XXXX XXXX. I graduated in a year that the economy was collapsing and jobs were nearly impossible to find. I was unemployed for almost a year after graduating from college. I called XXXX, now Navient, to ask that I have my loans deferred. The gentleman on the phone told me that I was all set and had been granted a deferment and that I would not have negative reporting on my credit score. As a young man, I am aware now that I was naive in believing that was enough - I hung up the phone in good faith that all was well. After the deferment period, I immediately began to pay almost double my monthly payment to pay XXXX back for the 7 months that I had no means to pay them. Now, almost 3 years after the incident, I pulled my credit to find they have reported XXXX missed payments ( XXXX student loans, XXXX missed payments each for the 7 months I could not even feed myself let alone pay a student loan ). I called Navient and told them of my situation. They said there is nothing that they can do for me - they do not remove negative information reported to the credit bureaus. I explained the entire situation to the man on the phone and his response was " I 'm sorry I often hear about people being misinformed by XXXX XXXX, but we are Navient and this is how we work - we will not be removing the negative information ''. Just because Navient bought out this company does not mean that I should suffer ... XXXX XXXX agreed to report no late payments to credit, and Navient should be upholding this promise to me. Especially since I have faithfully paid them double what I should be paying monthly. Thank you for your help.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have been disputing these accounts for over a year. They do not belong to me. Someone In my family used my information. 

XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX  XXXX open XX/XX/XXXX {$4600.00} XXXX XXXXXXXX open XX/XX/XXXX {$1500.00} XXXX  XXXX open XX/XX/XXXX {$370.00}
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I went to my local credit union and applied for a checking account. I was denied for a traditional checking account and was offered a XXXX chance checking account. Once you have had the checking account active for 12 months you can request a review to be considered for a regular checking account. Coming up XX/XX/XXXX will be 12 months that I have had the account open. I was advised by the bank rep that it came up in their system that I owe Wells Fargo and that they submitted information to XXXX that shows I mismanaged an account with them. The concern is that if I mismanaged an account with them. Then why would they allow me to open another account with them after reporting this information. Basicly its telling other banks not to do business with me, but it 's ok for me to do business with them after they have reported this negative information. They are also reporting a balance after I paid the account off in 2014. The information they are reporting remains in XXXX for 7 years and will limit you from obtaining a standard checking account instead of a second chance checking account.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BHA Services (NY)

Hello, BHA services is trying to collect a debt from MA from XX/XX/2001 20 years and 11 months ago. The court record does not even have them as the plaintiff 1st off I was never notified of this judgment as it states 2nd this " judgement '' is more than 20 years. This was disposed on XX/XX/2001 - MA law can not collected after 20 years 3rd they state I owe {$5000.00} - Hmm NO 4th they refused to provide any sort of proof They lied about the amount, stated time frame does not matter and tried to force me to send them money.
Consumer complaint received 2020-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

CITI Bank Shell Fuel Rewards Card I applied because promotional off was XXXX per gallon on my first 5 purchases but I never received that on my first 3 purchases so I stopped using the card. 
I tried to link my original Shell account and that never worked because for some reason every time I try to use the card under my Shell reward account the card wont work. 
Every time I use the card by it self I don't even get the 5-10 cent promised on every use of the card I called many times and I was told many lies but non of them were true because I never received any of the promotions I was offered
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (NC)

I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts XXXX XXXX XXXXSouthwest Credit Systems XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
Consumer complaint received 2017-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XXXX I tried withdrawing money from a Santander Bank ATM in XXXX at the XXXX XXXX XXXX XXXX but the money was not dispensed. After getting home and noticing that the money was debited from my account I called on the XXXX. I filed a claim with a rep on the XXXX the claim number for this call is XXXX. After calling back a few days later I was told the claim was closed and that it was determined that the money was dispensed. The representative then told me that there is video evidence that proves the money was dispensed and that the video will be sent to the nearest branch so that I could see the evidence for myself. This call happened on Saturday the XXXX of XXXX. The representative told me that another representative would call me on Monday the XXXX to give me an approximate date for the arrival of the video. I was n't given a reference number for this call as it was a response to the first call. I then called today the XXXX of XXXX to check on the status of the video being sent because I did n't receive a call from the representative and I am obviously anxious about my {$200.00} being lost and equally anxious to see the video. The new representative on the XXXX told me that she could not promise I would get to see the video because it is private property of Santander Bank. She proceeded to reopen the claim and gave me a new case number : XXXX. I am willing to take the case to small claims court to be provided the video evidence. I 've been banking with Santander for over a year now, have used their ATM many times and have never put in a claim. Why would I all of the sudden need to fake a claim for {$200.00}? All I ask for is to be given the video evidence I was promised. I do believe in the mantra innocent until proven guilty.
Consumer complaint received 2020-11-25
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, 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 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 {$8900.00} XXXX
Consumer complaint received 2015-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

WAKEFIELD WAS SENT A CEASE AND DESIST AND DON ; T CALL LETTERS IN XXXX. WE STILL GET CALLES FROM THEM IN VIOLATION OF FDCPA AND TCPA, SEE PHONE RECORDS AND VIOCE RECORDINGS ATTACHED.