davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-08
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. (UT)

I read about the Equifax breach on the morning of XXXX/XXXX/XXXX, and decided to look into it to determine if my data was at risk. 
I visited the www.equifaxsecurity2017.com website, and thought it was interesting that it was a separate domain instead of a sub-domain of the equifax.com domain. I did additional research, and checked the XXXX records, which appeared to be anonymous ; I could n't find any information in the XXXX record indicating any affiliation to Equifax. I did a little more digging, and found a news article XXXX https : XXXX? XXXX ) indicating that the site was, in fact, set up by Equifax as a breach notification website. 
I submitted the information requested ( last name and last six digits of SSN ), and was told that my data may have been involved in the security breach. 
I 'm quite frankly concerned and bewildered at why it took Equifax so long to disclose the breach, and why I had to learn that my data was involved by stumbling upon an article rather than the company reaching out to me. 
I 've placed a fraud alert on my file through XXXX XXXX website, so I should have a 90-day window to detect and prevent any misuse of my data, but if my data is still out there, it could be floating around cyberspace forever.
Consumer complaint received 2024-02-17
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX account number XXXX violated my rights. 15 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Consumer complaint received 2021-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NV)

CREDIT ACCEPTANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$9200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I received notice of a collection from Fair Collections & Outsourcing! By law I had 30 days from time of receiving to request the debt be validated. I responded with a debt verification letter sent certified mail to Fair Collections and Outsourcing. 

By law they are required to send me a validation notice or respond to my verification request. 

They have not done so but instead sent me a threatening letter stating the following ... 

" Your account has already been reported by our office or is scheduled by our office to be reported by our office to one or all of the following national credit reporting bureaus : XXXX  Credit Information services,  XXXX Credit Information Service or XXXX. '' I know for a fact this debt is not valid and my verification request has gone unanswered because they to know it is not valid. 

There refusal to to send a validation notice is a clear violation of the collection practices act.
Consumer complaint received 2017-09-08
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. (GA)

Equifax did not protect my sensitive personal information. The data breach was due to their inability to secure my information adequately and thus put me at risk. Again, it is up to me as the consumer to deal with any risk, remediation, and taking additional steps to secure my data and identity. This is simply unacceptable, given this is Equifax.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MI)

I have a XXXX day late payment reporting on all of my Navient accounts for XXXX of XXXX although I was current for XX/XX/XXXX. I contacted Navient and the issue wasn't resolved. I filed a dispute with XXXX via certified letter with return of receipt asking for verification of the late payment. XXXX XXXX stamped the receipt XX/XX/XXXX. I was mailed the dispute results that were completed XX/XX/XXXX reporting accurate and updated with no verification of the late payments. I contacted XXXX and asked for the verification and they stated Navient didn't send it and that they will not bring the late payment to current although they do not have verification of the late payment.
Consumer complaint received 2017-09-08
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. (MA)

Equifax was victim of a hack and they believe my information has been leaked. This is a part of the larger hacking story involving the 143,000,000 identities being leaked.
Consumer complaint received 2017-08-28
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. (GA)

I was shocked when I reviewed my credit report and found inaccurate items. 

Creditor : XXXX XXXX XXXX ACCt # : XXXX I do not have a debt with XXXX XXXX XXXX and have tried repeatedly to get them to answer me to verify how they determined that this debt is mine. I have never had a debt with them and I am unable to get this item off of my credit report.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

No positive payment history reported from repayment of XXXX loan XXXX loan 19 month auto pay 1 week early. previous auto loan payment history from XXXX multiple satisfied obligations. Improper use of reports not fair and equitable additional payment history incorrect no payments ever late or United States of America failing to fulfill obligations and direct any outstanding obligations past future present as all debts public and private are responsibility of The United States of America department of the treasury so must be a accounting mistake because the United States of America always pays its debts. I am just a beneficiary of a sound mind. Trustee failing to perform fiduciary duty.
Consumer complaint received 2021-02-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (TX)

Without any prior notification from Vance and Huffman, i was notified by my credit monitoring company that a collections was placed on my credit report. I have received noting in writing about this debt and have no knowledge of it. I am a service connected XXXX veteran on a Veterans pension and was in the process of buying an RV to live in until my credit score dropped 40 points after Vance and Huffman put this collections on my credit report and the lender backed out of the loan. I can not describe how angry and appalled I am at this I know nothing about this loan and demand that this be removed from all three credit reporting agencies
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has repeatedly reported that the account on file is still open in my name. I DO NOT have any open accounts with this lender. The lender has also failed to provide any documentation to me showing this account is open. I took the client to court for this and it was dropped in Bankruptcy case. If you review the notes that XXXX XXXX themselves have listed in the notes this account was dismissed as part of a bankruptcy. Yet your credit agency still continues to report this account in my file.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I signed up for Experian 's {$1.00} credit report for a week cancelled and they still billed me for services after. I only knew about it because I called my bank back in XXXX about it. They charged me {$1.00} in XXXX then {$24.00} on XX/XX/XXXX, {$24.00} on XXXX, then {$24.00} on XX/XX/XXXX and another one on XX/XX/XXXX. I asked my bank to cancel it on XXXX they charged me again on XX/XX/XXXX. I called the Experian Rep and they did  confimr that the only access on the account was on XXXX. I only used experian because of the {$1.00} promo last XXXX when I needed to buy a car. I have not used it since and have cancelled the account. There is no other time the account was accessed and the access on the account last XXXX wasn't even me accessing the account. It was them accessing my account, because I have entirely forgotten that I have an existing experian account. I do not have money that I need to check my credit score. I only needed Experian because of the {$1.00} dollar deal they have. I want to get back the money that they took out of the account because I didnt use their services beyond that week as proof of my access on the account. Please help me.
Consumer complaint received 2021-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I made the scheduled payments on my Navient account last month. I paid $ XXXXon XX/XX/2020. I go to the Navient site today, XX/XX/XXXX, and I am now seeing a payment of {$100.00} that Navient 's states was due on XX/XX/2020. I do not understand where this " payment '' comes from. When I made a payment on XX/XX/2020, I did not see any other payment that was due.
Consumer complaint received 2024-02-17
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. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed below. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

Items in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently obtained a copy of my consumer report and discovered that XXXX credit is reporting my credit limit incorrectly with Transunion. My credit limit is being reported as {$0.00} when infact my credit limit with XXXX is at least {$17000.00}. XXXX credit 's website shows that my credit limit has increased to {$17000.00}. Please update and correct this account 's true credit limit. Thanks Also I am NOT known as XXXX XXXX or XXXX XXXX as it is being shown on my consumer report by Transunion. I am ONLY known as XXXX XXXX and that is the name that appears on my state issued ID and drivers License.
Consumer complaint received 2021-02-01
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. (IL)

On XX/XX/21, I was shown and applied for an apartment at XXXX XXXX XXXX XXXX, Application ID : XXXX. I never received a notice of denial nor a specific reason for denial. Pursuant to The FCRA 615 ( b ) : " Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of 72 615 - 15 U.S.C. 1681m living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer. '' At this time, I am exercising my right and I demand to know the specific reasons why I was denied tenancy for this apartment. The company 's negligence in providing me with this information has caused mental anguish as well as depletion of funding needed to pay for housing as they assessed an {$85.00} fee but failed to provide me with the details mentioned in this complaint.
Consumer complaint received 2017-09-08
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. (WA)

My social security number, credit card numbers and personal information were breached in the 2017 Equifax breach that was the result of negligent security practices by Equifax.
Consumer complaint received 2021-11-30
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)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX XXXX  XXXX XXXX XXXX.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Advantage Credit, Inc. (FL)

ON XXXX XXXX2021 I filled out an application with a XXXX XXXX  XXXX. They checked my Credit and reported back to me what scores they received from the Advantage Credit bureau. They gave him outdated and inaccurate information regarding my credit score. I called Advantage Credit Bureau and asked the girl who answered the phone. Her name was XXXX, Where they got the credit scores they're reporting, she told me the credit bureau. I called the Mortgage agent back and asked if his Mortgage company used Credit scores or FICO scores in making their decisions on applications for a Mortgage. He informed me they used FICO only. I called back Advantage Credit and was told I needed to talk with someone in another department. I tried to explain why I was calling and that there was some confusion in their score. She refused to talk to me and told me to have my agent call her directly. I talked with him and he said, they said their score was correct. The score they posted for XXXX  was XXXX. Here 's the problem. On the XXXX of XXXX 2021. I received an email from XXXXXXXX of which I am a subscriber. The email was congratulatory for raising my FICO score to XXXX. I am enclosing a snapshot of that dated email.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

On XX/XX/2021, through my freelance work, I received payment from my client in the amount of {$32.00} to my PayPal account. However, on XX/XX/2021, my PayPal account was permanently limited. After 180 days my money was gone from my PayPal account and I can not use my PayPal account anymore for my freelancing work.
Consumer complaint received 2019-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (DC)

XX/XX/2019 XXXX : ComenityXXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Comenity & XXXX must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address. 

Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate. 

Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number! 

I tried to resolve this issue through XXXX XXXX council but to no avail. 

Can you advise how to proceed without providing them any assistance to harass me? 

Lastly they violate FCRA. So they must remove both items.
Consumer complaint received 2021-02-01
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. (MI)

Checked my report today and I noticed some student loans account opened I wasnt aware of I mean anything reporting inaccurate should be removed right under the fcra please show me documents where it shows my written consent. Also there is inquires on my report that Im not aware of as well i contact all creditors they have not responded.
Consumer complaint received 2021-05-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

We ( I & my wife ) are both retired, and a month and half ago my wife contacted our mortgage bank ( Wells Fargo ) to see if they forgive our remaining mortgage ( very little left ) since we have always paid on time and also finished most of the interest for the loan. The bank did not have any programs, but they mentioned " loan modification '' plan which we did not apply for it. They sent the application through the mail, anyway. A few weeks later, we received another package that indicated the bank had opened an escrow without our knowledge, had paid the XXXX County Tax ( for the property ) that we had already paid ourselves a few days earlier, and appraised the property. We contacted the W.F and expressed our shock and dismay with the steps they had taken on their own without our consent. They designated a case specialist and after going back and forth she informed us that the case is dropped and the bank would withdraw the escrow documents. Today ( XX/XX/21 ), I found out that we were overcharged in our bi-weekly mortgage payment by WF. I contacted the officials of the bank and to my surprise I discovered they had not withdrawn their escrow papers ; instead, they had charged us for their fees.