davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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. (NE)

The credit bureaus are reporting a collection account with XXXX XXXX credit card in the amount of {$860.00}. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus and the creditor.
Consumer complaint received 2021-10-30
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. (IN)

On XX/XX/2021, I sent a certified letter to Transunion, XXXX, and XXXX to dispute the negative information on my credit report due to identity theft. I also sent items verifying my identity I also sent items such as a police report, identity theft affidavit etc. to Dispute and Remove the Negative item. Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation. The Illinois States Attorney General will be contacted as well as the XXXX  XXXX  XXXX, Im in the process of suing the credit reporting agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now I must be compensated.
Consumer complaint received 2020-09-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (TX)

The company responded via CFPB portal and stated they have nothing to do with this debt that is reporting on my credit report. Please remove account XXXX XXXX {$2200.00} from report.Documentation of response from company attached.
Consumer complaint received 2024-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Despite resolution with the bank, valid law enforcement reports, and removal by XXXX and XXXX, Experian persists in claiming I haven't followed the steps. They consistently dismiss my valid documents, and I urge the Consumer Financial Protection Bureau to investigate this apparent neglect. XXXX XXXX was fraudulent and I already filed with XXXX.
Consumer complaint received 2022-01-18
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. (PA)

Recently ( XX/XX/XXXX ) I applied for a home mortgage loan with XXXX Mortgage. In the process I was informed that I have a collection balance of amount {$140.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I had a lot of hospital bills and I used to clear it off as and when required. I remember paying all of my bills around XX/XX/XXXX. Not sure about this debt and I need more information on the same. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- Priority mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation. Looking for support.
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

I was locked out of my account on Coinbase in XX/XX/2021. I contacted them and they said to create a new account with a different email address. I did and they said they would transfer my stocks to the new account. I have contacted them several times since creating the new account and I haven't gotten any additional responses. They are also still taking money out of my checking account for a some of the stocks. I haven't been able to add to purchase more stocks, sell or trade my stocks. I may be losing money or gaining money, but I don't know.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

Companies failed to send any notice about the debt, and I only became aware of it through persistent calls from unknown numbers, which seemed suspicious. It wasn't until the debt appeared on my credit report that I realized its source. Despite settling with the companies and having a recorded promise for a pay-to-delete, they failed to provide the agreed-upon documentation, and the reported address was incorrect, raising doubts about the validity of the debt.
Consumer complaint received 2022-01-18
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. (NY)

I was a victim of identity theft. someone used my personal info to obtain a student loan. I contacted the creditor and the reporting equifax and submitted a ftc report along with a police report and they still are reporting inaccurate information damaging my credit.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

ON XX/XX/XXXX I SENT A DISPUTE LETTER TO THE TRANSUNION CREDIT REPORTING AGENCY. I ASKED THEM TO UPDATE MY CREDIT REPORT WITH THE CORRECT NAME, ADDRESS, TELEPHONE NUMBER. I DID ENCLOSE COPIES OF MY CURRENT NAME ADDRESS AND TELEPHONE NUMBER AND INCLUDED A COPY OF MY CURRENT DRIVER 'S LICENSE. THEY [ TU ] SENT ME A COPY OF MY CREDIT REPORT { WITHOUT } THE CURRENT AND UPDATED INFORMATION.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-23
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Inaccurate information being reported on my credit report by the company XXXX XXXX XXXX on all 3 credit reporting agencies account # XXXX date account was open close date of account last payment and account payment history is inaccurate and should not be included in my credit report.

I told the Experian to investigate the account for accuracy because I recently pull my credit report and all 3 credit reporting agencies, and I notice there were inaccurate information reporting on my credit report and inconsistent information being reported on all 3 reports. I try to fix it with Experian, and I keep getting back the same result, Experian failed to do their job and according to 15 USC 1681 everything need to be 100 % accurate and complete. Experian claims that everything one 100 % accurate and that the creditor certified everything is complete and accurate. I've attached and highlighted all the inconsistent and inaccurate information that is being reported on all 3-credit report by ally financial services. also, a letter direct from the creditor showing two different information that they claim to be accurate. 
I also did some research and according to the law 15 U.S. Code 1681a.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not includereport containing information solely as to transactions or experiences between the consumer and the person making the report. Experian is reporting my experiences and transactions with ally financial services and according to the law a late payment is a transaction and experience. there should not be no late payment reporting on my credit report according to 15 USC 1681a 2 and I was never late to being with.
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

I found numerous fraudulent accounts under my name showing on my credit reports. AWA Collections did not take my identity theft reports seriously and kept reporting false information and harming my history and also being abusive. I gave them a call and the employee was extremely rude and never tried to help. This company is avoiding legal documents such as Identity Theft report and/or Police Report and making my way of recovery even harder.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have sent several letters to the credit bureaus and XXXX XXXXXXXX regarding the bankruptcy and items linked to that being reported. They have not properly or legally verified that information as I received a letter from the Bankruptcy court letting me know that they do not report this information to the bureaus or any 3rd party reporting agencies. Equifax has kept this record after I have disputed this online and by mail. XXXX and XXXX have not resolved or updated me after more than 15 and 30 days.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This has been an ongoing issue with the Credit Reporting agencies ( XXXX, XXXX, and Experian ) reporting inaccurate information to my credit report. I've contacted each agency XXXX, XXXX, and XXXX of XXXX  to resolve the issue. There is an account showing in charge-off status that has since been cancelled, forgiven, and written off by the lender. The lender has written this debt off and it has now become taxable income. Taxable income CAN NOT be reported on a consumer 's profile. I've requested proof to show me where income is reported as debt on a credit profile and have yet to receive a response. Each bureau has the responsibility to report maximum accuracy on my credit profile. Reporting an account that is not disputable and is now considered income is now in violation of 15 USC 1681 ( e ) b
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL) (FL)

AR RESOURCES , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ND XXXX To : The Office of Registered Agent for AR RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX
Consumer complaint received 2022-07-19
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. (NJ)

In regards to XXXX XXXX Account # XXXX I have never had any relations to this company and they are violating my rights by falsely reporting me under their company name to the credit bureaus. 

They keep saying this debt is verified but how? This company has yet to provide actual physical proof that I have agreed to do any business with them. There is no signed contract between XXXX XXXX and I. You can not report me to the credit bureaus when I had no agreement with your company over any debt that you are reporting on my report. 

Please provide copies that I need to turn over to my attorney in order to have this matter resolved. In the absence of any such documentation bearing my signature, SSN, address, and an actual signed, dated AND detailed contract between your company and I, I ask that this information be immediately deleted from the file you maintain under my Social Security number. Failure to provide these specific documents will prove the lack of validity and verification of this account you are reporting to the bureaus under my social security number. My attorney and I will use any and all info from your company against you in the court of law for violating my rights. This is my last attempt to give this company a chance to provide proof and documentation, otherwise I will have to escalate this to the court of law with my attorneys. If you bare any contracts with my signature, or any relevant documents, it must include : -Date I opened this account with your company -The type of credit line this account was -Interest rate -Terms and conditions of account -Line by line statement ( including interest charges ) from the opening date of account until todays date -Signed contract between your company and I
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (PA)

XXXX signed up a contract on recorded line. I was promised {$49.00} a month with free {$150.00} visa card and free XXXX XXXX XXXX for 1 year. The price would then go to {$64.00} the 2nd year. After signing up I was never sent the visa card and charged the FULL MONTHLY amount for XXXX XXXX XXXX instead of free.. I tried rectifying more than a dozen times with XXXX. They refused to fix the error and would not playback the recorded conversation when the order was placed. I went through upper management several times, they would not fix the error. I canceled my service and requested a refund, they denied the refund. I stopped payment and told them I would pay the promised monthly fee but XXXX said no. This was a BLATANT bait and switch and did not deliver the promised merchandise. Since then they have been sending creditor after creditor to try and ruin my credit. This time it is Franklin Collection Services who had once again reported an erroneous debt to the Credit Agency 's. I WANT THIS REMOVED AND THE CHARGE COMPLETELY ENDED!! I NEVER RECEIVED THE PROMISED MERCHANDISE OR SERVICES!!!.
Consumer complaint received 2022-01-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (TX)

In XX/XX/2021, I went to sign the closing documents for my new Escalade at the XXXX XXXX XXXX dealership in XXXX XXXX, TX. I ordered a custom XXXX in XX/XX/2021 and was pressured to go sign all the documents so that everything would be ready for when my XXXX arrived. I was told that no loan would be executed until I had possession of my car and that my car would arrive within 10 business days. Now, It is XX/XX/XXXX and I still do not have my car and no one has any idea when I will get my car. Not the dealership, not Wells Fargo, not even XXXX knows. Wells Forgo wrongfully executed the loan without ensuring that I had possession of the car. They prematurely exercised a loan that I am now paying for without a car. Now the dealership has no incentive to fulfill their end of the deal because they have collected their money. Wells Fargo is currently billing me and profiting off of the interest I am paying. I am left in a disadvantage position with a hefty monthly car bill. A car I have never seen. I have called Wells Fargo to let them know. They said they were under the impression I had the car and would launch an internal investigation. It has been over 5 weeks since I spoke to Wells Fargo and they have not gotten a response to me. I will also be filing a complaint against the dealership, XXXX XXXX XXXX.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

A collection has been put on my acct from AIdous and Associates have no knowledge of this acct nor did I receive anything for this debt to be validated I have never even been to a XXXX XXXX  this needs to be removed ASAP. I have worked hard to get my credit together after al the isnt thwft and refuse to allow something fraudulent on my credit
Consumer complaint received 2024-01-23
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. (MI)

I have items 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX ( Original Creditor : AT T ) XXXX Balance : {$980.00} STATE OF MI OFFICE CHI XXXX Balance : {$53000.00} STATE OF MI OFFICE CHI XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX