davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
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)

This is a complaint against XXXX XXXX XXXX. I already disputed the account from them, named XXXX XXXX XXXX with account number XXXX and it was deleted from my credit reports under Equifax and XXXX. However, on my updated credit reports dated XX/XX/XXXX, it appears to have been added again under the same name XXXX XXXX XXXX & is being reported negative but with different account numbers ( in Equifax it shows XXXX & in XXXX it's XXXX ) which resembles the same account number from the first one I mentioned above that I disputed and was deleted before ( XXXX XXXX XXXX XXXX ). I want this to be removed as it is very illegal to add on removed fraudulent accounts. When I spoke to them, they told me I was making a good financial investment and enticed me saying it has some tax benefits similar to owning a second home. During the presentation there was definitely pressure to sign up that day, 1 ) special pricing only applied to moment in time, once I left, price would go up, 2 ) they spoke about how XXXX was joining the suite of resorts and one negotiation complete the price would go up exponentially. They made it sound like a bonus that ownership passed to my heirs. I later found out that there would be no way for my eldest to refuse unless he refused the estate, this is a huge liability as my son & daughter are both XXXX XXXX and would not have means to pay maintenance fees or travel expenses to destinations. This forced liability was not disclosed properly. I've had difficulties with this such as in the first year, my maintenance fees were due in XXXX and then again in XXXX, this was a definite hardship. Also they advertised this as ownership similar to owning a him and there would be tax advantages but upon preparing my tax return, I learned that this was not the case. All I got from this timeshare are difficulties, I have XXXX/XXXX, XXXX XXXX  and having this timeshare just adds up to the stress & hardships. I'm also worried about the well-being of my XXXX XXXX XXXX children to be burdened with the forced inheritance of this agreement as per abovementioned. I've had the worst experience with this timeshare, finding out all the inconsistencies as time went on, the financial misrepresentations are infuriating, couple all of that with covid and there being only 2 locations in the continental US that I could have possibly utilized in XXXX and growing uncertainty if future ability to travel via airplane, it is a moot point to continue. They lied, they withheld important information & given my age ( XXXX ) at the time, I was simply defrauded & taken advantage of.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NJ)

I had {$13000.00} for the tax payment of my home on XXXX XXXX XXXX. The bank has allowed a criminal to steal {$13000.00} from XXXX checking accounts. The first checking account ends in XXXX. My daughter and I are at risk of becomming homeless. There are criminals copying our phone numbers, and they may be several other culprits or troublemakers. Also, a woman, named XXXX XXXX XXXX, illegally, ordered debit cards, and has stolen the money to pay the taxes on the home. XXXX XXXX is not reported on wills, tax documents, POD statements, or other pension accounts. My daughter, XXXX XXXX was the only person allowed to access these accounts for me. XXXX was also a joint owner. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, have fraudulently stole the money at several ATMs. I need the money returned, so that I am able to pay for repairs to the home. My daughter is at risk of getting XXXX, XXXX  or XXXX. She needs to pay for the home on XXXX XXXX XXXX. This is a serious crime to steal large sums of money from someone without their permission.
Consumer complaint received 2022-06-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

TRANSUNION XXXX : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance {$580.00} Inquiries : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX Balance {$47000.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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
Consumer complaint received 2019-05-09
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. (NY)

after numerous complaints and disputes equifax continues to report my name incorrectly as XXXX XXXX XXXX XXXX. my correct name is XXXX XXXX XXXX XXXX. also equifax is refusing to correctly update and increase my credit score. even though all credit card balances are XXXX and creditors are being paid on time.they are reporting a XXXX .this score is 117 points lower than XXXX and 112 points lower than XXXX. this has been an ongoing complaint with equifax for the past 3 years. they refuse to update in a timely manner. i was recently denied student loans for my XXXX childrenin college due to the equifax score.i was told i needed at least a XXXX, which the other bureaus are reporting. now they will miss the XX/XX/XXXX-XX/XX/XXXX semester. will i be able to sue them regarding this matter.
Consumer complaint received 2019-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

Jefferson Capital sent me a bill saying I owed them money on a old XXXX  acct 12 years old to be exact! They are redating this account which I have been told is illegal in the State of NY and plus the fact the original acct is over 12 years old and in the State of NY its 6  years. This company is ruining my credit on all major credit reporting agencies This is false  dating and is illegal - Please help
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VALLEY NATIONAL BANCORP (NY)

This bank treats me horrible i have all their emails they provide mis understanding information the last letter I received they say I cant bank with them previously they say its XXXX inquiries I told them Im a victim of identity theft their very rude and nasty their is a lady their that on the letter has a number she had been emailing me as well and she wont return my calls leave voicemails I just want to bank with them and have a checking account I dont understand why they give me such a hard time both online and at the branch whats preventing me from opening an account with this bank why wont they be nicer to me to get this resolved why ignore me and be nasty
Consumer complaint received 2022-06-07
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. (FL)

in accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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.
Consumer complaint received 2022-06-07
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. (CA)

In accordance with the fair credit reporting act. the list of accounts below has violated my federally consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
XXXX account # XXXX 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
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (MD)

Financed auto mobile XX/XX/XXXX All payments made and listed current until XX/XX/XXXX. XX/XX/XXXX Payment made XX/XX/XXXX payment reversed and returned without cause or notice XX/XX/XXXX account listed as 30 days late. US bank was notified removed late charge fee did not remove 30 days late from credit report or explain the reason for payment reversal. XX/XX/XXXX Notified US Bank of discrepancy XX/XX/XXXX again notified US BANK of discrepancy still mo change XX/XX/XXXX again notified again no change.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (FL)

In XX/XX/2021 Target reported to the credit bureaus that I was 30 days late. I have NEVER been late with them or anyone else. I paid in full on XX/XX/XXXX as shown by there own reporting. I disputed this with XXXX  and the others but it still shows that I missed a payment. I did not miss a payment I always pay ahead if nothing else. This is wrong, my credit very important to me and its unfair for this to be in my reports. Please correct this error on Targets part. I have Never been late. I keep a XXXX  balance and have been perfect with them. Thank you
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Names : XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-08
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. (WI)

n accordance with the Fair Credit Reporting act XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX  account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account #, XXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX XXXX XXXX account # XXXX, inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX 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
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (TX)

On XX/XX/2021 I sent letters disputing inaccurate accounts on my credit report. It's been passed 30 days now and I have received no response. My disputes are not being processed and section 611 ( a ) states that a failure to investigate these items within 30 days means these disputed accounts should be automatically deleted from my credit report. My information was also affected by the Equifax data breach and may have fell into the wrong hands. I would like to resolve this without escalation so please remove these accounts from my credit report.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

First, XXXX is correct. 

XXXX and Equifax are not and I have contacted XXXX, Equifax and XXXX XXXX to correct the information without success. 

XXXX XXXX XXXX had a business credit card with XXXX XXXX that was guaranteed by me. 

The business closed. 
Both XXXX and Equifax show the XXXX XXXX XXXX credit card as my having primary responsibility when, in fact, the business had primary responsibility for the credit card and I was the guarantor. 

The business closed end of XXXX. XXXX XXXX closed the business credit card account and wrote it off of their books XX/XX/XXXX. 

I made 6 months of agreed upon payments for the period XX/XX/XXXX through and including XX/XX/XXXX. 

Their collections company contacted me XX/XX/XXXX. I contacted the collections company XX/XX/XXXX and have not received a response. 

In addition, when I tried to log onto XXXX XXXX to see current credit card balance for my XXXX Lender, I was unable to do because per XXXX  XXXX, the account does not exist. 

My credit score is continuing to be dinged because it states : 1. I had primary responsibility to pay the credit card account instead of stating the business 2.States I had no payments XXXX XXXX XX/XX/XXXX. My pmt agreement was made with XXXX XXXX and I was advised at the time that my XXXX XXXX had already written off the business credit card account. 
3. Continues to state I am behind on payment and not making any payments even though the account was written off of XXXX XXXX and no longer exists. 

Once the account was written off by XXXX XXXX it should have been removed from both XXXX  and Equifax as a current account so that I am not continuing to be dinged for this account that no longer exists.
Consumer complaint received 2022-04-24
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA (TX)

On XX/XX/20 I deposited a cashiers check for {$29000.00} which had been sent to me to purchase XXXX. The bank froze the account. XXXX XXXX XXXX contacted XXXX in the fraud department and he decided it was part of a large scam involving stolen money. This is not true. The money was not stolen and there is no fraud. XXXX told me he would find the rightful owner and I wasn't to bother him. I had been calling him regularly. He threatened to involve the XXXX XXXX if I bothered him again. He offered no explanation for his decision on this. He became quite rude. That money has been held for no good reason.
Consumer complaint received 2022-06-30
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: EQUIFAX, INC. (AL)

Im having issues with XXXX XXXX keeps appearing on my credit report violating my rights. This account was opened fraudulently in my name and does not belong to me. 

Account XXXX XXXX {$1700.00} Open on XXXX, XXXX 2020 XXXX I want this fraudulent account removed from my report asap as it is violating my FCRA rights.
Consumer complaint received 2021-09-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CashMax LLC (TX)

Hi someone took a loan out in my name and I owe XXXX. I think my wife did it without my consent. My wife told me it was fraud and she didnt take it out in my name. I suffer from sever mental illness and dont remember giving her consent at all. Please everyone be careful with your information and dont give it out period to anyone or you will be in my shoes with a loan in your name that you never took out or authorized.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (OH)

I was divorced in XXXX and as part of the divorce our house XXXX XXXX XXXX XXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from Welsfargo and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from Welfargo Bank and they are not doing it.
Consumer complaint received 2022-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX / {$0.00} / XX/XX/XXXX
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (KS)

LOANCARE SERVICING XXXX XXXX XXXX Maximum Delinquency Note Maximum Delinquency of 30 days in XX/XX/2019 this is not accurate although the company updates my info this inaccurate info remains
Consumer complaint received 2022-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I never gave the consumer reporting agencies to report the account " XXXX XXXX '' on my consumer report. They keep sending my disputes back as verified not investigating and providing me with how they validated this account. U.S code 15 usc 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. Immediately provide me with evidence that I signed and submitted written instructions for yall to put this account on my reports without my written consent. this is damaging my reputation and causing me emotional distress.