davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a bank statement for XX/XX/2020 to a BOA account I never opened. I contacted BOA and issue is told that my account will be closed but that I am a subject to identify theft and should check my credit reports. I have not found this BOA account on any of the 3 credit reporting agencies. BOA also sent a XX/XX/2020 statement for another account in my Wife 's name that she did not open. We do not any accounts with BOA. I reviewed my credit reports and see a soft inquiry noted in XX/XX/2020 by BOA. BOA asked for my Full Name, SSN, Address to than inform me that I am a victim of identity theft. 
My concern is, I don't have any account with BOA showing up on my Credit reports, so I suspect these two Checking accounts called " Advantage SafeBalance Account '' were opened by BOA by themselves without my Wife or My approval. I am requesting an investigation on this matter and if BOA is using any of the information I provided for other means. I do not suspect identity theft as stated by BOA, but something else internal with BOA.
Consumer complaint received 2020-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by Experian, XXXX  and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2022-09-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Im filing this complaint against XXXX trans union and XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation pass 30-90 days passed. wrong information such as old address keep reappearing, identity theft fraud error, wrong employers, email address, public information on my credit report and criminal back, late payment history passed 7 years or more and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please
Consumer complaint received 2022-05-26
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. (SC)

XXXX XXXX XXXX XXXX Dates : XX/XX/2020 Amounts : {$7300.00} In accordance with the Fair Credit Reporting Act XXXX Account # 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 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian did not perform a reasonable investigation. They stated that I previously Submitted a Dispute however that is incorrect because the attachment shows their response stating that they couldnt perform a reasonable investigation because I didnt submit enough documentation which once again is false, I did submit all the required documentation. Experian states that they contacted the creditor, XXXX XXXX XXXX to verify the accuracy and XXXX XXXX XXXX stated it was accurate. I would like to know how they verify this information. Experian needs to present me all the documentation They received and procedures they performed to investigate my dispute. I understand that filing complaint and after complaint may seem overwhelming however this is the best way to create documentation because when I mail them my letters they always send me a response stating that they dont have documentation for me to perform the investigation.
Consumer complaint received 2022-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I ordered some mud tires through XXXX XXXX XXXX and that was a couple of years ago. I have not been able to pay it since then. I am currently working on my credit. The company that has been harrassing me with calls and letter is Midland Credit. The last notice I recieved from them was today XXXX as a final notice. Stating they will take legal action. They said they will send my account to an attorney after XXXX. My MCM account number is XXXX, the owner is Midland Credit Management , INC Please help me because this isn't right. They have been threatening me for the past year and they are stressing me out.I do plan on paying but not right now because I have other bills I need to pay as well.
Consumer complaint received 2022-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV Funding LLC has recently retained XXXX to act as a debt collector to collect on a debt not owed by me to the alleged original creditor XXXXXXXX XXXX XXXX XXXX expressly identified as an account number ending in XXXX. 

XXXX sent an UNDATED notice to respond by XX/XX/2022. XXXX has failed to validate the debt and also provide verification of debt as required by law. 

I hereby further dispute the account ending in XXXX with XXXX XXXXXXXX XXXX XXXXXXXX. and LVNV Funding LLC there is no balance amount owed of {$1800.00} and any updated balance amount. XXXX XXXX XXXX XXXX Is not my original or current creditor. There is no balance owed by me to XXXX XXXXXXXX XXXX XXXX 

At no time does XXXXXXXX XXXX XXXX XXXX. appear on my credit reports for any such account ending in XXXX.
Consumer complaint received 2023-08-10
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. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2020-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

Beginning with COVID-19, my wife and I had reduced paychecks and were automatically put on forbearance with the company, Specialized Loan Servicing, which was helpful for us to rearrange our finances. Realizing we were only paying {$10.00} in principal a month while paying nearly {$220.00} in interest, we didn't want to get any further behind on this loan. We made our back payments and then increased our monthly payments to {$300.00} to help pay additional principal. There was an issue with the back payment, but we fixed it as soon as we realized and had no issues. The problem is that all extra payments keep getting applied to future payments and they are not reducing our principal. I have called them over and over and have only gotten ahold of one person in a dozen calls who I thought had rectified the situation. I am now looking and realizing they fixed everything retrospectively but have gone back to the old method of simply paying future payments which does not help us at all. I just want our extra payments to reduce my principal but I can not get through to SLS to make this happen. My ignorance of the type of loan we were getting put us in a bad position that I just want out of as soon as possible but they are fighting me every step. Please help.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX, my mother and I received notifications from Wells Fargo Bank that there have been suspicious transactions on my checking and saving accounts. We both called on XX/XX/XXXX as my accounts are under my mothers XXXX XXXX. We filed the claims with the bank and was told it will take 7 to 10 days for the investigation. The claim number at the time given to us was XXXX. We called again after 10 days, and was told it was still under investigation and some of the suspicious transactions were not included. 2 new claim numbers were given at the time, XXXX and XXXX. On XXXX, I received a letter with the case # XXXX stating the claim was denied. On XXXX, I received a letter for claim # XXXX saying that it has been resolved and {$4700.00} has been credited back to my account on XX/XX/XXXX. However, the amount was not reflected on my account when I checked on XX/XX/XXXX. On XX/XX/XXXX, I called the claim department about the denied claim was told the case was closed and theres nothing I can do. Then, I asked about the letter from XXXX and the person was unable to explain all the details why the {$4700.00} was not returned and why I still owe them money. The bank reported and notified me of this suspicious activity yet, they have proved unable to resolve this fraudulent activity successfully.
Consumer complaint received 2021-06-03
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: CREDIT ACCEPTANCE CORPORATION (TN)

XXXX, Acct # XXXX, SSN XXXX discrepancies in the High Credit amount, showing XXXX for XXXX  Student Loans showing late payments during Month of Pandemic when it was decided by the FCRA that XXXX student loans payments would be suspended during those months. Acct # XXXX XXXX Acct # XXXX, showing derogatory when there is a XXXX balance Credit Acceptance Acct # XXXX, Auto Loan, showing collections with XXXX, balances are inaccurate. I was affected by the pandemic and did not have the means of making the payments. Natural disaster beyond my control XXXX XXXX XXXX XXXX, Acct # XXXX, inaccurate reporting on my report XXXX XXXX XXXX XXXX XXXX Acct # XXXX, inaccurately reported Inquiries that are bad and not authorized by me
Consumer complaint received 2020-12-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BBVA FINANCIAL CORPORATION (OH)

In XX/XX/XXXX XXXX, I requested a wire transfer from my bank in XXXX to wife fund into my XXXX XXXX account with XXXX, to today date, I have receive not fund in my US account. I reach back to my bank in XXXX, and they also requested more detail to their partners bank in the XXXX ( XXXX XXXX ) Please see below the response from XXXX. 

XXXX : Transaction Reference Number XXXX XXXX : Related Reference XXXX XXXX : Narrative AS A FOLLOW UP TO YOUR INQUIRY UNDER REFERENCE XXXX ADVISING US THAT THE BENEFICIARY IS CLAIMING NON RECEIPT OF YOUR PAYMENT REFERENCE XXXX IN THE AMOUNT OF XXXX DATED XXXX EFFECTED UNDER OUR REFERENCE XXXX. 
DURING THE COURSE OF THIS INVESTIGATION WE HAVE REPEATEDLY FOLLOWED UP WITH THE BENEFICIARY BANK FOR CREDIT CONFIRMATION. DESPITE OUR REPEATED FORMAL REQUESTS, THE BENEFICIARY BANK HAS YET TO PROVIDE AN UPDATE. 
DUE TO THE LACK OF RESPONSE FROM THE BENEFICIARY BANK, WE ARE CLOSING THE INVESTIGATION ON OUR END. AT THIS JUNCTURE WE SUGGEST THAT THE BENEFICIARY LIAISE DIRECTLY WITH THEIR BANK IN ORDER TO FACILITATE RESOLUTION. FOR THE REFERENCE OF THE REMITTER AND BENEFICIARY, WE HAVE ATTEMPTED TO CONTACT THE BENEFICIARY BANK UNDER OUR REFERENCE XXXX. IF WE RECEIVE ANY ADDITIONAL DETAILS FROM THE BENEFICIARY BANK REGARDING THIS MATTER, WE WILL UPDATE YOU ACCORDINGLY. 
PLEASE QUOTE OUR CASE REFERENCE XXXX ON ALL FOLLOW UP REGARDING THIS MATTER. 
REGARDS, XXXX XXXX INVESTIGATIONS
Consumer complaint received 2020-12-06
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: Experian Information Solutions Inc. (CA)

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by XXXX XXXX. All 3 credit agencies ( XXXX, Experian, and XXXX ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. XXXX XXXX, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Consumer complaint received 2023-04-02
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. (MO)

I Recently Received A Copy Of My Credit Report And I Came Across Some Inquires Here Are The Inquires And Dates In Question 1.XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX Inquired on XX/XX/XXXX 3.XXXX  XXXX XXXX Inquired on XX/XX/XXXX 4.XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX 5.XXXX XXXX XXXX Inquired on XX/XX/XXXX 6.XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX 7.XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX 8.XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 9.XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX 10.XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 11.XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 12.XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX 13.XXXX XXXXXXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX 14.XXXX XXXX XXXX Inquired on XX/XX/XXXX 15.XXXX XXXX XXXX Inquired on XX/XX/XXXX That I Do Not Have Any Accounts That I Am Associated With And I Did Not Authorize Please Have Them Removed From My Credit File Thank You
Consumer complaint received 2020-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (PA)

American Express sued Defendant XXXX XXXX XXXX XXXX through their counsel : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX File # : XXXX Defendant XXXX XXXX XXXX XXXX made contact with XXXX XXXX XXXX XXXX on Wednesday XX/XX/XXXX. The reason for me making contact was because even with the " Stipulation Agreement '' being satisfied as of XX/XX/XXXX, the docket with the court has yet to be closed. Interestingly enough, American Express 's legal counsel claimed over the phone that I still owed a balance even though the Stipulation Agreement ( to which I have a copy ) has been fulfilled. Respectfully, I demand the docket be closed at once, and any inaccurate reports that are currently with the credit bureaus need to be wiped clean of any debt with respect to this American Express account. 

The stipulation hereby states on part 7 : " Upon payment in full of the amount required under this Stipulation, Plaintiff or Plaintiff 's counsel will mark the above-captioned matter 'settled, discontinued and ended. ' " A payment in the amount of {$85.00} was sent to XXXX XXXX XXXX on XX/XX/XXXX through my Debt Relief solution. The stipulation agreed to settle the account with a total payment amount of {$1000.00}. This total amount was spanned out to be paid in increments monthly beginning in XX/XX/XXXX. The first 4 payments were to be {$55.00}. These were all honored. The next 7 payments were to be {$100.00}. These were all honored. The last payment was to be {$85.00}. This was honored. At the present time, it has been several weeks since this has been fulfilled. I have yet to see a closed docket through the XXXX XXXX 's online database, which is not only concerning, but egregious.
Consumer complaint received 2020-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently started to monitor my credit with extra time on my hands this year with me not being employed and I notice someone has stolen my identity I have several fraud accounts in my name I have tried getting this resolved credit agencies and they are not helping ..
Consumer complaint received 2020-12-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XXXX XXXX I called Capitol One Auto finance. I asked them about the extra money I send monthly to be applied to the principal, so I can pay down the loan. I was told the extra money is applied to my next months payment to reduce the cost of the payment. 
I told him I clearly requested that they put the extra money on principal. I had no knowledge that they operated this way. They did without my knowledge or permission. I think this is dishonest.
Consumer complaint received 2020-12-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Finance Company, Inc. (CO)

Professional Finance Company or PFC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Put a negative report on my credit report. We have tried to contact them with no response we also sent via XXXX  with a signature required letter they did sign for the letter but refuse to respond to us. 
Don't understand why they are in this business if they can't respond after placing a negative report on my credit.
Consumer complaint received 2022-07-24
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.