davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (MA)

I have submitted complaint through this platform once already and gotten no resolution from both the creditor and the credit bureau. The account by Goldman Sachs on my credit report is an account that was opened fraudulently and now I am a victim of identity theft. I have tried tried to fix this with both the creditor and the credit bureau. While both companies have made no effort to resolve this I am having to submit other complaint. I received information from the creditor that the proof that they have that this account belongs to me is based on a phone number that it is not mine, an email address that is not mine and an IP Address that is not mine. I have have sent both the creditor and credit bureau supporting documents showing that this account doesn't belong to me. I have sent a copy of my phone bill which has a different number than this creditor has on file. I have sent a copy of my email address information which has a different address than what the creditor has on file and contract that shows i've had this email address for over 15 years. I have sent a copy of my IP Address from both my cell phone and personal computer and this shows a different IP Address than the creditor has on file. I have also filed a police report and identity theft report with the FTC in addition to all of the other documents that I have sent. I find this outrageous and completely illegal because all of this evidence that I have provided clearly shows that this account doesn ; t belong to me and that someone stole my identity in order to defraud this creditor. Neither the creditor nor the credit bureau are following the law and are totally violating the Fair Credit Reporting. My next step since I am running out of options is having to file a lawsuit against both the creditor and the credit bureau. This is affecting my credit negatively and I am trying to purchase a new vehicle and so this is absolutely affecting my life and it needs to be resolved immediately.
Consumer complaint received 2020-07-09
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)

I was at XXXXXXXX XXXX XXXX today XX/XX/20 trying to buy my wife a necklace but I was denied from financing ; I was confused as to why I was not approved since I have always made it a priority to maintain good credit history. I looked through my credit report and I saw a few accounts that are not mine. The accounts are from XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have never opened any account with these companies and I did not allow anyone to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from these accounts such as money, goods, services or anything else and I never made any payments to these accounts. I am still trying to figure out who these accounts belong to but I have already filed a police report. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-07-09
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. (CA)

I was at XXXXXXXX XXXX XXXX today XX/XX/20 trying to buy my wife a necklace but I was denied from financing ; I was confused as to why I was not approved since I have always made it a priority to maintain good credit history. I looked through my credit report and I saw a few accounts that are not mine. The accounts are from XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have never opened any account with these companies and I did not allow anyone to open them in my name. I do not have any written/verbal contract with any of these companies and I did not benefit anything from these accounts such as money, goods, services or anything else and I never made any payments to these accounts. I am still trying to figure out who these accounts belong to but I have already filed a police report. I have filed this report to the best of my knowledge.
Consumer complaint received 2020-07-09
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. (WA)

Transunion continues to use the PACER system to check my bankruptcy information. PACER IS INCOMPLETE, ANYBODY CAN CREATE AN ACCOUNT, AND IS INACCURATE. The bankruptcy court showing my bankruptcy as dismissed has notified me that they do not share SSN 's to third parties SUCH AS the PACER system. In this case, how can you maintain a dismissed bankruptcy as accurate? How are you verifying this information? You need to go to the court and NOT PACER according to the fair credit reporting act. You are not validating this information correctly and it needs to be removed.
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. (GA)

I sent a letter regarding inaccurate personal information, negative accounts and 2 late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!!

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Account Name : BANK XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX  XXXX Account Number:XXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!
Consumer complaint received 2020-07-09
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (SC)

Due to Covid-19 my Husband who is the main source of income in our family was furloughed on XX/XX/XXXX. Hyundai Motor Finance, whom we have two vehicle leases with, was offering 90 days deferment for those affected by Covid related lay offs. The only option they gave to apply the deferment to your account was a email form on the website where you selected 'Covid 19 '' as the reason for deferment. 
I submitted the form in XXXX and received a generic email saying they received my request. We never received any follow up information in the mail, or calls from Hyundai to confirm the deferment plan. I continuously called their customer service line the entire month of XXXX and XXXX, getting an automated recording that they had high call volume and to try again later. I was not able to successfully talk to someone live until XXXX. 
The customer service representative told me to not make any payments for the past due accounts and that they would have to process one month at a time, to apply for the deferment program, but that XXXX, XXXX and XXXX would be covered under their program. Several representatives assured me that our credit would not be affected, our account would not be late and that the deferred payments would get added to the end of our lease term billing. 
Since then, we have noticed my husbands credit score, as well as mine, have gone down significantly. We attempted to contact Hyundai,  receiving once again the automatic message about high call volume, with no option to speak to a person. After several days of trying a representative told us that the deferment program was no ended and there was no way to apply the program to our now, very overdue account. I asked to speak with a supervisor and was given no helpful information and was told our credit would be affected until we paid our account in full. They claim that we never followed up on the deferment program, when I did actually call repeatedly with no way of talking to someone. 
I contacted our local XXXX XXXX XXXX XXXX  and they said, as long as I filled the form claiming Covid job loss on there website I would be okay and eventually it would be applied to our account. 
We are unsure what to do, but are discouraged our credit is being affected despite Hyundai  offering a 90 day deferment, that we met every requirement of.
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I always pay the full balance on my credit cards in order to be debt-free and keep my score above XXXX points. 
Capital One has overcharged my Credit Card ending with XXXX in U {$53000.00} and I called them to find out these transactions that result in this balance and they didn't know and I had to close the account. However, they are going to keep on charge me for this balance that I don't recognize because I keep track of all my receipts. 
Please help me in this matter. 
XXXX. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-16
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. (PA)

I have never lived at the following XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa XXXX Please remove the following I have disputed with XXXX equifax and XXXX and they update as accurate please remove.
Consumer complaint received 2022-06-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

The unconfirmed accounts stated below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$220.00}
Consumer complaint received 2020-10-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (WI)

Mid-day XX/XX/2020 ; I reached out to Santandar Consumer USA to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from Santander Consumer USA or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to XXXX XXXX XXXX , XXXX and said for anymore information that I should call them. I called XXXX XXXX XXXX, XXXX shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. 

On XX/XX/2020 ; I recieved a letter from XXXX XXXX XXXX , XXXX that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise XXXX XXXX XXXX , XXXX a payment of XXXX. Nor do I believe I was informed by XXXX XXXX XXXX , XXXX during any point in communication that I had the ability to dispute this debt.
Consumer complaint received 2020-10-10
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. (GA)

I have been a victim of identity-theft and have filed a police report to ensure that the fraud was reported. Some fraudulent accounts and inquiries appeared on my credit report. I was instructed to file a police report and affidavit to have these fraudulent accounts and inquiries removed from my credit report. I have filed an affidavit and police report with XXXX  and Equifax and disputed these fraudulent items four various time. For some odd reason, XXXX and Equifax will not comply with the FCRA ( Fair Credit Reporting Act ), which enforces credit reporting agencies to comply with reporting accurate information on consumer credit files, but they are not reporting correct information on my credit file/report. Instead, they are reporting incorrect information, which I am highly disgruntled about. If my credit file is not updated, then my next steps is to file a complaint with the state attorney general and take legal actions and file a lawsuit with the courts. Please let us prevent all of this and just provide a resolution and remove these fraudulent items from my credit report. The Fraudulent items include : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Amount Reported : {$130.00} - XXXX  XXXX Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX  XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX   XXXX  : Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX/XXXX  : Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX-XXXX   XXXX  : Inquiry Date : XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXXChapter XXXX Bankruptcy : U.S. Bankruptcy Court : Date Filed : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, As a disgruntled consumer, I demand to be informed of the meticulous measures your organization undertook to validate the accuracy of these items by 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. The law mandates that a consumer reporting agency must furnish to the consumer a detailed account as mentioned in section 15 USC ( 6 ) ( B ) ( iii ) - a notification stating that upon request by the consumer, a comprehensive explanation of the process utilized to ascertain the precision and integrity of the information must be supplied by the agency, which includes the name and address of any information provider consulted regarding said information and the contact number of said provider, if reasonably obtainable ; no later than 15 days following the reception of the consumer 's request for said explanation. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Consumer complaint received 2020-10-10
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. (OH)

THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : XXXX XXXX XXXX XXXX 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 2020-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

So I went to withdrawal some money from my account and XXXX $ was taken out from the bank so I go inside and talked with someone and they said that the bank let us Barrow money but didn't know for what so then I call headquarters and then they say my husband had made a call when he was at the atm about a check that didn't deposit so we told them we didn't do that so my husband called and they said I called and said on XX/XX/XXXX and said I deposited a check for XXXX $ and it's not true I said I would like a voice recording of me or him calling that day they said they don't have audio or video from the atm or from the phone call so I go in the bank again the lady said it's from them loaning us money because the claim we made for XXXX $ I said if you loan me XXXX $ for the XXXX $ I said that doesn't add up she was nasty mean so we left I called again and talked with someone she said it has nothing to do with the XXXX $ so I'm trying figure out why my money was taken they can't give me a straight answer they caused me not to have my rent money they never talked to us about this as many times I went in there I have went everywhere to get help and I can't get help I'm just getting talked to like I'm XXXX  can someone please help
Consumer complaint received 2020-10-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (WI)

Mid-day XX/XX/2020 ; I reached out to XXXX XXXX XXXX to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from XXXX XXXX XXXX or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to NCB Management Services , inc. and said for anymore information that I should call them. I called NCB Management Services, inc. shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. 

On XX/XX/2020 ; I recieved a letter from NCB Management Services , inc. that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise NCB Management Services , inc. a payment of XXXX. Nor do I believe I was informed by NCB Management Services , inc. during any point in communication that I had the ability to dispute this debt.