davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GVA Holdings, LLC (WA)

I keep getting emails and phone calls from this company for some sort of scammy loan that I supposedly applied for. I have no idea how they got my email or phone number, but this is fraud. I have never applied for, been approved, or received funding from this company.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and I am trying to correct the inaccurate/incorrect and misused information on my profile that reports multiple times. This company is refusing to fix the issue and always claim my information was verified with no proof when I show them proof its wrong on profile.
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

My name is XXXX XXXX XXXX and I am not swayed that XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2018 i disputed said debt with Experian credit bureau and to this day have not received any verification that the debt is valid, which now is beyond the the 60 days beyond the FCRA. The Fair Credit Reporting Act states that the debt must be removed from a consumers fico report if the debt can not be verified or validated within the 30 day investigation period.
Consumer complaint received 2018-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2017, I did not authorize said company to run my credit for a car, please send me verifiable documents if the company insists I did.
Consumer complaint received 2024-02-23
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)

While I was in XXXX, my dorm room was broken into and my personal information was stolen and my credit was used fruadulenty. I have file a incident report with the police and my university. XXXX has not helped me solve this issue. I am requesting the following accounts to be removed from my credit report. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (MD)

American Collections Enterprise , Inc. has reported fraudulent information to credit bureaus regarding a alleged debt. This debt has been paid in full to the original creditor yet American Collection Enterprise , Inc. continues to report the debt as unpaid to credit bureaus even though they have acknowledged being informed of the debt having been satisfied prior to their most recent reporting to credit bureaus. 

I filed complaints with the XXXX and the Consumer Financial Protection Bureau yet as of XXXX/XXXX/2015 they had yet to remove the incorrect information. In their response to the complaints, they state that they were informed that the debt has been satisfied prior to their most recent reporting. Their response states " XXXX XXXX ' payment was made directly to the original creditor. They reported it to our office on XXXX XXXX, 2015. '' However XXXX listed the account being updated on XXXX XXXX, 2015. 

The debt was then removed from my Credit Report when I checked it as of XXXX/XXXX/2015. However, the false information has been reported again to XXXX. This time, they have reported only the dollar amount and account number, electing to leave their name off of it. This is the XXXX complaint I have had to make regarding their tactics and I have been advised by council that these repeated false reportings constitute harassment.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (AZ)

Someone at US Bank sent me a DEBIT CArd and I do not bank with US BAnk, never requested to open an account, nor plan to open an account with US Bank. Thus, must be fraud as I have zero reason for this account. PLease contact me asap, as I can not get through on the phone.
Consumer complaint received 2020-07-21
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. (VA)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

Office Depot ( Citicard ) gives out cards without activation requirements. I had some fraud purchases that had occurred and they didnt resolve it. 

I did not make these purchases nor was it authorized. 

XX/XX/XXXX {$41.00} XX/XX/XXXX. XXXX XX/XX/XXXX. {$200.00} XX/XX/XXXX. {$450.00} XX/XX/XXXX. XXXX
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete these inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX : {$8800.00} XXXX XXXX XXXX : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$8700.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-07-02
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. (TX)

For the past 12 months I have faithfully watched my credit scores fluctuate up and down. I paid off all creditors between XX/XX/XXXX and XX/XX/XXXX. My score, slowly rose to a XXXX ( XXXX ) and XXXX ( Transunion ). I unfortunately was unable to establish and maintain gainful employment of no fault of my own which forced me to file bankruptcy, which gravely effected my credit. Even after my bankruptcy, I did not attempt to obtain credit. My credit score slowly increased to XXXX for both Transunion and XXXX. In XX/XX/XXXX it dropped drastically.It dropped 92 points for XXXX and 91 points for Transunion. It stayed this way over a course of 3 months for Transunion and then made a drastic leap from XXXX to XXXX. For XXXX, it increased from XXXX to XXXX. My score remained consistent for XXXX   four months ( XX/XX/XXXX-XX/XX/XXXX ) and then took a sudden plunge. My student loan was given a year deferment in XX/XX/XXXX or XX/XX/XXXX. Just recently my scores dropped suddenly. My score dropped tremendously for both companies ... Transunion ( -XXXX ) and XXXX ( -XXXX ) .It seems that no matter what I have done to do the right thing and stay afloat, XXXX and Transunion has continuously made attempts to damage my credit profile. They do as they please concerning credit scores. In addition, I have been one of the many individuals that have been apart of XXXX 's failure to protect my very vital information. I want my credit scores refurbished. I have worked hard and refrained from being in debt to anyone for anything. This seems to be a another practice against XXXX Americans ability to establish, maintain, and grow in socio-economics. There is no way you can explain how one incident dropped my credit score! I have one deragatory mark on both credit reports. I only owe student loans. I want my credit repaired immediately. This is a blatant financial attack on me and others like me that strive and still are faced with injustices at the hand of businesses that would see our demise.
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

I have requested multiple times to Navient for documentation proving that they own my ex-stepdaughters loan, and also proof that I co-signed for that loan. 
I have not received any of the information that I have requested. The first request was over two ( 2 ) months ago. 
The phone harrassment also continues.
Consumer complaint received 2024-02-23
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. (TX)

Reporting negative and old accounts and my credit file and/or credit report. 15 U.S. Code 1681b, credit reporting agencies, XXXX, XXXX, TRANSUNION and all, are reporting on my credit report and file without my written consent.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CBC Companies, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, All of these cards are fraudulent and due to a data breach that involved my drivers license to be found and privately shared on the dark web. Credit card dropped due to this reason and now my identity is at risk of being stolen again. Please investigate and have these removed. XXXX  has also been involved and is fraudulent with Many transactions that were connected to an unknown device. XXXX XXXX XXXX has also been affected which was the provider that was providing service to the unknown device
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On Friday XX/XX/XXXX I received a phishing text posing to be Wells Fargo saying there was fraudulent activity. I responded to the text, thinking it was my bank because my bank has also sent similar texts. I received a phone call from Wells Fargo and confirmed it was the same number as on the back of my bank card. The criminals used phone spoofing to change their number to match that of the bank to impersonate the bank. They asked me to confirm my identity, stating to be Wells Fargo, this call is being monitored for quality assurance, etc. 

They confirmed the fraudulent activity, said my debit card had been compromised and they were cancelling that card and sending me a new card immediately. They read me my home address where they would mail the new card. They sent me a text to confirm my identity so that we could cancel the fraudulent activity. Not knowing my log in info, I sent the link to my husband. It matched exactly the site of Wells Fargo log in site. My husband got on the phone and logged on. 

They asked him to log into his account and confirm the last 4-5 transactions to make sure they were accurate. They were able read all of these transactions to us, further confirming this was actually Wells Fargo. They used this to obtain all of our online banking information and initiated a wire transfer of {$25000.00}. 

They then called Wells Fargo and impersonated my husband to confirm the wire transfer stating the transfer funds were for heavy machinery equipment for his business ( he does not own a business ). 

We called Wells Fargo 2 minutes after after getting off the phone with the criminals, because we wanted confirmation that our money was safe. They then told us that that was certainly fraud, they were impersonating Wells Fargo and we immediately ordered a stop order/freeze funds. We closed the bank account to stop further fraud. We spent hours and hours speaking with Wells Fargo with no answers. 

Despite us taking quick action, the funds cleared in the early hours of XX/XX/XXXX. We filed a police report the morning of XX/XX/XXXX. The Wells Fargo investigator did not reach out until today XX/XX/XXXX and stated this was a scam and thus we do not qualify for restitution. A second fraud claims " consultant '' at Wells Fargo stated this was our fault and they would not pay the claim. Further, they would not confirm Wells Fargo issued the stop order and would give us any details of what they did on their end to stop the wire claiming it was confidential. Wells Fargo also did not reach out to either of our cell phones when the wire was illegally initiated to confirm. We escalated again to XXXX XXXX XXXX office but they were not reassuring and said they had no power to pay the claim. 

In our 20 years of banking with Wells Fargo we have never done a wire transfer. This type of transaction should have required in person confirmation.
Consumer complaint received 2018-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Malcolm S. Gerald and Associates, Inc. (IL)

XX/XX/XXXX Received a letter from Malcolm S. Gerald and Associates , Inc. stating that I owed a balance of {$10.00} to XXXX XXXX XXXX. My wife went to the doctor office and showed the letter. They looked into the system and found the invoice and she paid it. 
XX/XX/XXXX Received a voice message from Malcolm S. Gerald and Associates asking to call back. My wife called and told them the invoice had been paid. They asked to fax receipt of payment, which she did fax the same day. She also called XXXX XXXX Department and they sent the updated information to XXXX. 
XX/XX/XXXX My wife called Malcolm to check if they received the fax. They did but refuse to close the account because they have not received any payment from XXXX and that payment made was applied to a different invoice. She then called Advocate to ask why they haven't sent any payment to Malcolm and they said they don't have to pay anything to Malcolm and that I do not owed anything to them since I paid the balance of the only outstanding invoice I had with them. I do not know what else to do. This issue is affecting my credit report.
Consumer complaint received 2021-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I requested to have XXXX XXXX XXXX account updated on my credit report with XXXX and it was not updated in a timely manner. I initially requested update on XX/XX/2021. I sent a XXXX balance letter 3 times and no resolve. I was told that they were never notified of the pay off but XXXX updated my report the next day. Please help me because I am trying to get a car and Im spending {$40.00} a day on XXXX rides to get to work.
Consumer complaint received 2021-03-03
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: AMERICAN EXPRESS COMPANY (CA)

XXXX XXXXXXXX Opened XX/XX/2015 {$17000.00} Please review this account inquiry. I would like both investigated and fixed immediately American Express Opened XX/XX/2015 {$2300.00} Please review this account inquiry. I would like both investigated and fixed immediately
Consumer complaint received 2018-07-03
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: EQUIFAX, INC. (CA)

Whenever I try to obtain a credit report through Equifax for free ( either as an annual report or due to a denial of credit ), the system won't allow me access to my report. However, if I try to purchase a report, they will provide it for me immediately. In the past, I would purchase the reports because I needed them for something immediately, but now I know I can report this practice. 

On XX/XX/2018, I tried to obtain my credit report due to denial of credit. I went through the online system and successfully supplied my correct information. It stated I was entitled to a free report. When I clicked to retrieve this, it stated " online delivery unavailable '' and gave me the customer service number to call. I called the number and went through the prompts within the automated system and was provided a confirmation number and no additional explanation. The system then stated it would connect me with a representative. The line hung up on me. Immediately after, I contacted the Equifax customer service via chat, and received terrible service. I stated, " I requested my credit report ( I was denied recently ) and when I finished, it said, " online delivery unavailable '' and gave me information to call. I called and went through the prompts, receiving the confirmation code : **********. Then the phone hung up on me. Someone allow me access to the report I'm entitled to. The only time I have issues obtaining my report is when I'm supposed to receive it for free. '' The representative said they could not help me and referred me to the number that had disconnected me. I stated that I would file a report about this issue and they ended the chat without any conclusion from me. 

After the way Equifax leaked so many customers information ( including  mine ), I believe they shouldn't be allowed to operate as an agency anymore. They aren't able to be responsible to its customers or their information.
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MN)

In XX/XX/2020 I subscribed to the XXXX XXXX service. In XXXX I learned that I wasn't receiving all of the benefits of XXXX XXXX that everyone else was able to. I could not access XXXX on my phone app. I tried to resolve this with XXXX but they didn't resolve the issue they cause. On XX/XX/XXXX, I submit a dispute against the the XXXX charge of {$120.00} for half or {$63.00}. If I'm only getting half the use out of the service, I should only pay half. After Chase notified XXXX of the dispute, XXXX canceled my entire subscription. I learned of this cancellation on XX/XX/XXXX. On XX/XX/XXXX, I sent Chase a secure message to get an address to mail in additional information about the dispute because I needed it updated to a full dispute instead of the half dispute that I originally requested. I attached the documentation supporting this update. I was told I would get an update on this. 
Since that time my dispute has not be updated for the full amount. I am still only getting the temporary credit for the half dispute. I have attempted to contact Chase multiple times and have not got a response to the issue. Chase has claimed their employees are overworked and there is too much work for Chase to handle in a responsible time to get responses to customers. Because I don't want this to get lost in all of the work and high volume that Chase claims that they have, I felt it was best to file a complaint so that I know it will get addressed. I feel like I should just go though CFPB on all of my corespondents with Chase because they seem to play the high volume card all the time. And for my security and not wanting my corespondent to get lost or missed in the high volume, it would probably be best to make sure there is a record of everything with an organization like CFPB.
Consumer complaint received 2020-08-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY (SC)

In XXXX of XXXX I filed chapter XXXX bankruptcy I have an auto loan with TD bank I did not list them, As a creditor in my petition I reaffirmed the debt, and continue to make payments of {$530.00} As agreed. 
In XX/XX/XXXX due to covid virus I requested forbearance agreement TD bank stated that they could not communicate with me on account of my Bankruptcy status they also stated that I would not have to make any payments for 60 days something about a cooling off period. between XXXX and XXXX of XXXX I contacted TD bank to find about my auto loan and was told that they could not communicate with me. 
I have tried to honor my obligations with this company, calling repeatedly to speak with an account manager to no avail. 
I have made all of my payments plus late fees the company accessed on my account. 
I have paid up until XX/XX/XXXX I make a payment of {$800.00} in XX/XX/XXXX and another payment in XXXX of XXXX of {$300.00} I owe one payment for XX/XX/XXXX Every monday this company calls my home at XXXX making threats.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have requested from Equifax, XXXX and XXXX signed documentation of the original debtor and date as well as documentation of validation on three seperate occasions and it was never provided as well as my personal information is incorrect