davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
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. (GA)

In accordance with with the fair credit reporting act and account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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 instruction.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX and XXXX XXXX Account # XXXX {$260.00} I have no knowledge of the account above and currently have a fraud protection on my credit report.. I reached out to the debt collector and tried to dispute the unknown item and did not get any validation stating that I owed the account above.. I received no help item was not removed or verified
Consumer complaint received 2020-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JSZ Financial Co., Inc. (TX)

These items remain on my credit report. Per FCRA Law, these are supposed to be documents sent to me verifying that these items belong to me. I havent received anything from the companies listed on this document ; therefore I believe I am a victim of identity theft. You have four days to delete this item on this FTC Report. If you continue to disobey the law, I will use my rights to file a Civil Suit against you and the creditor for unlawful use of Metro 2 and the inability to verify items before placing them on my credit report. I have no contracts or have ever done any business with the creditors listed on this document. Either you have failed to properly verify these items before placing them, on my report, or someone is misusing their ability with Metro 2. I demand these items are removed during your investigation and stay removed thereafter as they are not mine. You have four days to delete upon receiving this document. I am sending priority mail so I will know when you get them.
Consumer complaint received 2018-05-22
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: EQUIFAX, INC. (FL)

To whom it may concern : On XX/XX/XXXX, I discovered that my credit report was filled with inaccurate information. I first noticed that my name was incorrect and the correct spelling of my name is XXXX XXXX, no middle names just XXXX XXXX. 2. I noticed that the address where Ive been living all my life isnt listed and I dont have a clue as to why it isnt listed on my report because Im not familiar with any address listed on this report and the one that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 3. I noticed several other inaccurate information and I am clueless and o had to wonder was my identity ever used before. I did my investigation and learned that my identity has been compromised in a breach and I also found out that the inaccurate information accounts and inquiries listed on on my report isnt mine. 4.  Now I am forced to bring the law because I have never attempted to use my credit to apply for any new accounts nor did I use any information to inquire about anything for credit. So I dont know how this happened. I contacted the companies and creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I didnt receive any response nor did I receive any contracts showing my signature. Now that I have concluded my investigstion which now I am forced to file a lawsuit against your company because youve allowed my information to get compromised. Now who knows how many people is using my information. I would like for you to do an internal dispute which takes no more than 3 days. I want to dispute all the inaccurate accounts and fraudulent inquiries as fraudulent. I have attached a document in the section below. Please read carefully and follow instructions. Please dont send me any letter stating that the information belongs to me nor the inquiries. All listed information is to be removed permanently and immediately. If you dont want to dish out {$10000.00} for damages and court fees please fix this issue as soon as possible. I will be following up in 72-96 hours.
Consumer complaint received 2022-07-30
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. (MI)

This account is not mine, some used my information without my knowledge to initiate this account. I have applied for credit and employment and have been denied due to this fraudulent account. I have tried to work with each bureau to resolve this issue to no avail, limited correspondence and not in a timely manner.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, 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. (VA)

There are over 20 finance companies that has posted inquiries on my credit. I have no dealings with any company except XXXX XXXX XXXX  XXXX XX/XX/XXXX for a car loan. Ive reached out to the companies that posted the inquiry, they stated that since I do not have anything with them there is nothing they can do. Reached out to Transunion they stated theres nothing they can do to reach out to yall. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Commencing on or about XXXX, 2021, I fell victim to a multilayered scam operation orchestrated by various ( seemingly interconnected ) brands such as XXXX  / XXXX  / XXXX  XXXX  / XXXX / XXXX  ( collectively : the Companies ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via debit card, and through an intermediaries named XXXX, XXXX and XXXX in the total amount of XXXX USD utilizing Wells Fargo services.
Consumer complaint received 2022-07-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (OR)

On XX/XX/2022, I noticed a charge to the Apple Store dated XX/XX/2022 in the amount of {$1100.00}. I did not recognize this charge, nor did I authorize said charge. Today, I still don't recognize the charge, nor did I authorize the charge, nor did I receive any product associated to the charge. The charge was made on the Apple Card. 

On the same day, I have used the Apple Cards various communication methods ( customer support number and Apple XXXX  text messaging ) to try and resolve this. I was shuffled around to Goldman Sachs ( the handler of the Apple Card ), to the Apple Sales Team, Apple Pay Team, and then Back to Goldman Sachs. 

The Apple Store representative could not find any charge in the amount on my card, nor were they able to find any charge associated to the card.

Being tossed back to Goldman Sachs, the recommendation was to file a dispute, which I did. The case number is XXXX. 

On the same day I also filed a police report with my local police, the XXXX Police Bureau, detailing the credit card fraud charge. 

Today, on XX/XX/2022, I received an email that the dispute was resolved and not ruled in my favor, thus I am liable for the {$1100.00} charge. 

On this same day I have contacted Goldman Sachs to request a copy of the information used in decision making and to understand what options I have left.
Consumer complaint received 2021-06-08
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. (FL)

Ive reached out to equifax twice once on XX/XX/2021 and Also again in XXXX regarding an account with child support reporting. Account is past XXXX AND HAS BEEN PAID IN FULL AND EQUIFAX HAS CONTINUE TO REPORT ACCOUNT IM REQUESTING DELETION
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

This account should be removed from my credit profile of all three bureaus because the creditor has failed to provide documentation of the debt as well as their right to collect for the third party. I have never heard of the third party company which this creditor is collecting for.
Consumer complaint received 2022-08-23
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. (UT)

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (AR)

XXXX Fed loan account has been reporting inaccurate late payments for XXXX, XXXX, XXXX, and XXXX in XXXX. I have disputed these inaccuracies and they have not responded to any of my disputes
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I contacted Equifax, and XXXX XXXX/XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX/XXXX on me on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Equifax responded that the inquiry was updated. I have never received a response from XXXX XXXX/XXXX on the matter. However the inquiry has not been deleted by XXXX XXXX/XXXX or by Equifax. I have never applied or purchased anything from XXXX XXXX/XXXX. I have had previous issues with my personal information being compromised by Equifax. I am not sure if the 2 incidents are related, but I am sure that this was not an authorized inquiry by me and it needs to be removed.
Consumer complaint received 2019-06-11
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. (VA)

XXXX XXXX I mailed my monthly payment to XXXX as I have always done for my student loan payment. I have always paid my student loans on-time every month with a 100 % on-time payment structure. On XXXX XXXX I receive a notification saying that my five of my accounts with XXXX are 90-140 days past do. I called XXXX and they stated that it was reported as a mistake. They show that I am a full-time student with loans in deferment mode. They showed that they are receiving a {$30.00} payment per month as well. Although, my payments are not required, I still make payments to maintain my good credit score. My score has dropped due to this mistake from a XXXX to XXXX. I have never had a low score and I am asking if someone will please correct this. I struggle to make a monthly payment to XXXX monthly and this is an insult. Thank you for allowing me to place this complaint as something needs to be done in reference to student loans being able to do this to people.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

I have a loan with XXXX XXXX and was making my payments and making them on time. One day I was notified that my payment went from {$64.00} per month to {$600.00} per month and the new payment was effective immediately. I called XXXX and was told my payment went up because my income changed.I explained to the rep that this was incorrect and not my income had not changed. I made several phone calls only to be told I had to make the {$600.00} per month payment. I was unable to make this amount of a payment and this caused my account to become overdue. I called many times trying to get an understanding but to no avail thus causing XXXX to report the delinquency to my credit bureaus. After several months of the negative reporting I called XXXX again and this time I spoke with a representative and after being on the phone with her for several hours she said the problem was their mistake because they had listed my income incorrectly. She said they had my income listed as weekly instead of the fact that I got paid monthly. I asked if this could be corrected on my credit report since they had made the mistake and she said it should not be a problem but that was handled through another department and emailed me the form to submit. I submitted the form only to receive a response that my dispute was denied. I was not give an explanation and according to their policy I am unable to speak with anyone via phone about this issue. I am requesting that my credit report is corrected.
Consumer complaint received 2022-07-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2022-05-05
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. (FL)

Here are the inaccuracies I have identified : Account Name : XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX XXXX A ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the last payment date is XX/XX/XXXX. This is incorrect. This account is being reaged and it it too old to be on my report if the last payment date is XX/XX/XXXX it must have been opened before that date and anything before XX/XX/XXXX is older than 7 years and needs to be removed from my report. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 

Account Name : XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Reason : Incorrect dates listed Instruction : XXXX is reporting an opening date of XX/XX/XXXX while XXXX is reporting an opening date of XX/XX/XXXX. Both of these can't be correct and as such that is inaccurate reporting. Please remove this erroneous account from my reports. 

Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. On XX/XX/XXXX I could not have opened any accounts because I was in prison. I have been incarcerated since XX/XX/XXXX. I was in prison on this date of opening. So this account being reportd is inaccurate. Please remove this from my report Thank you, XXXX XXXX
Consumer complaint received 2018-05-22
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: CITIBANK, N.A. (NY)

My name is XXXX XXXX and I am contacting you regarding account CBNA Reported : XX/XX/2018 - {$420.00} Closed showed up on my XXXX credit report. It is fraud and it does not belong to me and I would like it removed from my credit report at once. I am a victim of identity theft but it seems like every time XXXX is forced to remove something off my credit report they find something else to add to drop my score. Please make them remove this fraudulent account because it doesn't belong to me. Also I have asked them several times to add my employer which they refuse to do my employer is XXXX XXXX XXXX XXXX. My credit score should be at almost 700 if things were reported correctly by XXXX
Consumer complaint received 2022-08-23
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CA)

An old cable bill was sent to collections which i paid in full. they are now still not removing the account from my collections. I can not get approved for a mortgage due to these collections. i do not feel the company is acting fairly as i have paid my balance in full
Consumer complaint received 2020-04-16
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. (GA)

Good afternoon I contacted TransUnion by certified mail on XX/XX/2020 disputing inaccuracies in my credit file. It has been 30 days and I haven't heard from them regarding the disputed items nor has any action been taken to correct the inaccuracies. I have uploaded a copy of the letter that was sent to them for review.
Consumer complaint received 2015-08-21
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Risecredit, LLC (WI)

I received an advertisement in the mail about RISE loans. No where on the paperwork they sent me did it indicate how much interest is charged. The advertisement refers people to a web site : RISEcredit.com. There is no indication on that web site as to how much interest is charged. I had to call XXXX to find out the interest rates start at above 36 % and top out above 300 %. Is n't interest information required on these advertisements? This was an unsolicited loan offer, telling me I was " pre-selected ''. Does that mean, low income or having a poor credit rating, making me vulnerable prey to a XXXX company? If interest rate info is not required on these ad 's, it needs to be required.
Consumer complaint received 2018-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Loans are with XXXX XXXX. Have miscalculated my payments for the Public Service Loan Forgiveness, have not capped interest as a veteran/XXXX XXXX service member and based payments on gross income, not adjusted.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (VA)

My credit report is showing that I owe {$780.00} from XX/XX/XXXX. I never had service with XXXX XXXX at all during that time nor the previous year. Also, they will not validate the debt. It was just thrown on my credit report with no prior notice. I tried to dispute the charge with no success. I contacted XXXX in early XX/XX/XXXX when I got an alert from XXXX that a collection has been added to my account and they instructed me to contact Credit Management LP because they do not have any information but the debt collection agency would not provide any details. Now it keeps reporting every week on my credit report like it is a new debt. My score has dropped from XXXX to a XXXX because of this
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (DE)

on XX/XX/XXXX, i lost my husband. i waited and waited for retroactive spousal payments from Department of Veterans Affairs. 
I looked up my Ebenefits page under Department of Veterans Affairs, it showed that my payment was deposited into an fraudulent account at Wells Fargo Bank on XX/XX/XXXX.  the only account I have with WFB is my mortgage. i went into the XXXX, DE location and all I got was questions from CSR " are you sure this not your account '' 'could you have gave a wrong account number? '' Only thing was done, was that it was proven as an fraudulent account and the deposit was done with a check/trace mode on XX/XX/XXXX. this account could not be found anywhere. 

after almost 3 years and still the grief, XXXX, and XXXX is still fresh like as if it was in 2015. Have never received anymore from this bank. 

Department of Veterans affairs resubmitted me a payment. But clearly when I signed papers at the VA my Deposit was to go to XXXX. I would like to be compensated for this situation ... not out of the other class action suit this is more than what is going on with the class action suits. until i read about these class action suits, i wasn't even interested until I remembered what had happened to me and I consulted with a lawyer. who advised me to file this complaint.