davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is the bank holding my loan at 7.29 % Intrest. Payments are {$760.00} After being laid off from work on XX/XX/XXXX due to Covid-19 by XXXX I asked for a deferment of payments. When I started my Payments, I paid on XX/XX/XXXX payment of XXXX 100 % to Intrest. XXXX XXXX {$1000.00} 100 % went to Intrest. On XX/XX/XXXX Payment for {$800.00}, {$640.00} to Intrest, and {$150.00} Principal with payment Variance {$260.00}. XX/XX/XXXX payment {$500.00} and {$270.00} to Intrest and {$220.00} to Principal. XX/XX/XXXX payment {$760.00} and Intrest {$250.00} and Principal {$500.00}. XX/XX/XXXX Payment {$760.00} and {$520.00} Principal and {$230.00} Intrest. XX/XX/XXXX Payment {$760.00} Principal {$520.00} Intrest {$240.00}
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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

I have attached the letters and the accounts that I am requesting to be removed down below in the attachments section
Consumer complaint received 2022-10-15
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. (CA)

XXXX XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (SC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX BANK XXXX XXXX XXXX {$120.00} ; XXXX XXXX XXXX Balance XXXX {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$7800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ;
Consumer complaint received 2020-07-24
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


XXXX XXXX XXXX XXXX US DEPT ED XXXX* US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-06
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. (AZ)

In accordance with the Fair Credit Reporting ac

t XXXX XXXX XXXX, has violated my rights.

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 I request due to errors on account status and payment history the account be removed immediately from XXXX, XXXX, and Experian.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have never had an account with XXXX XXXX, ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible as it goes against my FCRA rights, as its showing a violation of HIPPA rights.
Consumer complaint received 2023-09-10
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: CCS Financial Services, Inc. (OK)

I paid both my XXXX and XXXX insurance debt to XXXX and XXXX directly. The debts were never sold to XXXX. The debt was recalled back to XXXX and XXXX. I have disputed their reporting and it has come back as verified although they have no part in my payment or debt at all at this point. 
I have filed a XXXX complaint XX/XX/XXXX as well. As of XX/XX/XXXX I had not heard back from them. The XXXX tried to re-attempt to hear from them and they have yet to respond. 
All I am asking is they remove the collections from my reports from all XXXX bureaus as they have no part in anything anymore.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to follow up my previous dispute about fraudulent activity on my credit report due to identity theft. Upon reviewing my credit report, I have discovered accounts and transactions that I did not authorize or initiate. It is evident that my personal information has been compromised, and I request your immediate assistance in resolving this matter. 

I hereby declare that I did not authorize any of the aforementioned accounts, transactions, or inquiries. This constitutes identity theft, and I request that you promptly investigate this matter, remove the inaccurate information from my Credit report. I urge you to conduct a thorough investigation into the fraudulent activity on my credit report and take immediate action to remove the unauthorized accounts and transactions.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (SC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 2021-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

PayPal closed my account after I recently created it and received money from a friend. They wont help me getting it back up. I dont know if this was a mistake, which it may have been, but they wont help me. They only tell me I have a limit on my account. I figured I could file a report to this trusted company since PayPal wont do there job. My email linked to my PayPal is XXXX Please help, Thanks
Consumer complaint received 2020-07-14
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX  Credit Card ending in # XXXX Was inadvertently REMOVED from my Equifax credit report Reached out to XXXX XXXX directly to have it REINSERTED on my credit report As of XX/XX/XXXX, it is still NOT being reported or REINSERTED to my credit file
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion and XXXX credit reports have my name as XXXX XXXX not XXXX XXXX and its been legally changed since XX/XX/2018 by the state of XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-03-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION (OH)

I still can not locate the name of the company but they called my work, my brother, and my sister stating they were calling from XXXX County regarding a grievance that was filed against me. They gave them the phone number XXXX-XXXX-XXXX for me to return the phone call. When I did, I asked them if they were calling from XXXX County as they had stated and she would not answer me. I then asked what company she was calling me from and she would not tell me. I explained that I had XXXX the phone number and nothing comes up. She then told me she would have to transfer me to legal without providing any information to me. When I spoke to the woman in legal, who also did not identify herself or the company she was calling from, she gave me my supposed case number and told me that there was a " location order '' for me and I said by who? I have lived in the same house for five years and it is not like it is hard to locate me. She told me I owed {$1500.00} in court fees and {$2000.00} from the balance on my account. 

She refused to identify herself or the company she was calling from so I hung up. The same company then called my sister again and left her a very threatening voicemail about how the authorities are looking for me and she needs to give them my location. They then left a message on my cell phone ( so please explain why they ever had to contact my family or my employer ) as they obviously have my cell phone and know how to get a hold of me from the phone number ( XXXX ) XXXX-XXXX. I called the back and told them to never contact anyone who knows me again as they obviously know where I am and how to get a hold of me and that I was going to file a complaint against them. Then the woman hung up on me.
Consumer complaint received 2022-11-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MI)

XXXX XXXX XXXX is attempting to collect {$790.00}. 
This is not my debt. 
I never opened a XXXX XXXX XXXX account nor have I ever requested or used their services.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-06-22
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. (CA)

Someone had stolen my Identity ( SSN and other ) and applied the personal loan in company called " XXXX XXXX ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - XXXX XXXX XXXX Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " XXXX XXXX XXXX '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

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 2020-01-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nationwide Recovery Group LLC (WA)

On XX/XX/XXXX, I was contacted at XXXX by a company idenditfying themselves as representatives of XXXX XXXX ( I called back after hours and the message machine said it was The Office of XXXX XXXX and XXXX XXXX , not XXXX XXXX ) dealing with mitigation of a civil case against me, related to a debt from that is far past the legal statute of limitations for debt collection in washington state. The number showed up on caller ID as XXXX. They told me that I would be sued, and would have to go to court and pay legal fees if I did not repay the debt, which is actually a time-barred debt from a payday loan taken in 2010, which I did not recall. The total loan amount and debt total was XXXX dollars. They requested a one time settlement of XXXX. I was told to contact XXXX XXXX at the telephone numer XXXX. I called and reviewed my information. After being convinced that this was an emergent civil case against me which could lead to a law suit against me, I ( not knowing I could dispute this, nor that the statute of limitations had been exceeded for this debt, nor that you can not be criminally prosecuted in court for owing debt ) complied with payment of the one time settlement. I was then referred for payment processing to Nationwide Recovery Group, LLC out of XXXX, New York. They processed my payment and sent my an email that looked like a reciept, but had no invoice number or transaction number, and lacked visual authenticity. I feel like I was just scammed out of almost XXXX dollars, and that has put my family of XXXX in a tight finacial situation just before my rent is due. I want to sue the responsible party for the payed amount of XXXX cents plus an addition XXXX dollars for emotional distress, time loss in legal research and discovery, and financial burden. I have had to take a personal loan, which I will need to pay back, in order to make up the portion of rent I just lost. Please stress the urgency that they return payment for this time-barred debt, or face further legal action. I have attourneys as close friends who have instructed me to file this complaint, and I will envolve them if necessary. This IS worth it to me. And I AM inclined to start a class action law suit. I bet tons of debtors have been scammed in this exact same way. They could be forced to pay out up to XXXX dollars in restitution if class action lawsuit finds in our favor. They need to know this. They have been calling my phone for over a year, non stop. This is harrassment. I pay money for the data used for those phone calls. I am very upset about this shady group of people seeking collections for time-barred debts, and just dont want anybody else to be taken advantage of like i just was. 
I have attatched a copy of the very suspicious looking " receipt '' of my payment. Also have left them a message witth norespons.
Consumer complaint received 2022-05-02
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. (GA)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

All of the attachments that will be produced are the accounts in question for fraud and misuse of my information all credit reporting agencies XXXX, XXXX, and Transunion should be taken off immediately due to wrongful reporting on accounts that do not belong to me under section 623 you have 30 days to respond with proof of signatures and ID connecting me to this
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

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 unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The following hard inquiries were not done by me, I did not authorize them, and I do not know where they came from. Everything else on my report seems to be correct currently but this is worrying me because I know they are bringing my scores down : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-30
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: EQUIFAX, INC. (MI)

I purchased a vehicle in XXXX. Financed through XXXX XXXX XXXX. My vehicle was stolen and my car insurance paid all but {$800.00}. I called XXXX XXXX XXXX to make the payment for {$800.00}. They advised I could pay on it every month until it's paid off. So I made payments every month. In XXXX of XXXX they sent the account to charge off. I never recieved a 30/60/90 late as I was still making payments. I called to ask about this and paid the balance in full. I want this charge off removed from all three bureaus as it was not reported correctly. This is against fair credit reporting. I never recieved any calls or mail stating the account was past due, and it doesn't reflect correctly on my credit report. By law it has to go 180 days before it good to charge off status.