davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX, XXXX XXXX
Consumer complaint received 2021-03-19
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. (CA)

Since XX/XX/XXXX I have been disputing 1 account with an incorrect late payment reporting with the bureaus. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is my SECOND request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX Balance : {$2.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  Balance : {$420.00} ; XXXX XXXXXXXX XXXX XXXX : {$270.00} ; XXXX XXXX XXXX  Balance : {$10.00} ; XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXXXXXX 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 2022-04-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CA)

Its been 2 and a half years trying to get a new car or even a car at that under my name XXXX XXXX Ive never been able to get a vehicle I wanted my credit was always an issue and I never knew why until this year XXXX when I was searching for another vehicle I would think my credit was pretty good by now since Ive paid off majority of my bills and debt. Went to XXXX XXXX in XXXX XXXX ( where Ive leased vehicles before ) and never had an issue getting the vehicle but this time in particular my credit mustve been ran 6 times I do not know why! So now my credit has gone down a lot and still not in a vehicle I get a call from XXXX XXXX stating that no one will finance me due to having XXXX vehicles under my name! The car in question was a XXXX XXXX XXXX XXXX which has since been sold of in an auction. I begin to investigate calling both XXXX ( my policy holder ) and Chrysler Capital but No one seemed to know what I was asking for it was the XXXX XXXX letter Chrysler was supposed to send to me when the car was paid off by my insurance XXXX. I had totaled the XXXX on XX/XX/XXXX was paid off in XX/XX/XXXX but still not removed from my credit report I have always wondered why my interests and XXXX was always soo high my credit had been ruined due to the high amount I was paying for cards and other types of things. As of now I have called a total of XXXX calls to Chrysler and XXXX calls to XXXX I was forced to get a vehicle cause i needed one to take my XXXX boys to school as I am a single father and now I am paying XXXX a month for a car i didnt really want. Ive been hung up on transferred to different departments and just lied to saying I would receive an email and letter from Chrysler Stating that the loan was paid off. I was transferred to an executive whom did not want to give me their name which baffles me all that the executive said was it will be off by tomorrow fast forward another 4 days and 10 calls later still have no answer and no emails stating they sent out the email with the lien satisfaction letter. I need this to work I am mentally tired and stressed and I cant take much more of this. please help me settle this issue. Its very unprofessional of way I am being treated by a company I was paying a loan on. Again its been 2.5 years and no one seems to know what happened. I also can attach all the calls I have documented and informed about my issue with no resolution
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXXXXXX Paid Off through XXXX XXXX Reference Authorization Code XXXX through Representative XXXX. This account should not be reporting to any of my credit reporting agencies per agreement of remove of tradeline upon payment being paid. This needs to be removed from my account immediately and is in violation of section 604 of the Fair Credit Reporting Act ( FCRA ). Need account removed asap please. Thanks.
Consumer complaint received 2021-10-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

This is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I do not remember ever having a legal obligation with this company nor do I believe one exists. Please examine the way USAA SVG BK ( account number:XXXX ) is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I would highly appreciate it if you block these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the items in question.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION (TX)

I've tried contacting this company several times over several months. To start, this account was opened without my knowledge and they have no legal documentation proving that I indeed opened or agreed to be a co-applicant on this account. They stated they were not going to help me with reporting it as fraudulent. To keep my credit afloat, I made payments over several months, NONE of which were reflected on my credit report. I called to inquire as to why and, with every phone call, I never get a straight answer. I get transferred at least three times and no one can help me with basic information : what is left to payoff, why the payments that I've sent aren't reflecting correctly on my credit report, and an itemized receipt of all the charges on said card that I NEVER used. Last time I called I spoke to a rude employee who said that the payments aren't showing because they use a " behind the scenes '' method of collecting those payments. And he was insistent that my last payment was in XXXX of 2021 when it was XXXX of 2021. He couldn't find it! I've asked for itemized receipts on several occasions for the account, which they have yet to send despite saying they would, and it's been months. This has been a frustrating and tiring experience, filled with staff who can't help me. I was also told that they sent the account off to creditors one day but they weren't sure who. Then when I called the next day, they said that they kept the account in-house. This has been my experience with this company every single time I contact them. It's confusing!
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

According to 15 USC 1681s-2 XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION TO THE CREDIT REPORTING AGENCIES IN VIOLATION OF MY RIGHTS AS A CONSUMER THE LAW 15 USC 1681 s-2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

XXXX XXXX XXXX CONTINUES TO VIOLATE MY CONSUMER RIGHTS BY REPORTING INACCURATE INFORMATION ABOUT ME RUINING MY CONSUMER REPUTATION WHICH CAUSES ME HARM AS A CONSUMER. THEY ARE EVEN REPORTING DIFFERENT AMOUNTS OF ALLEGED DEBT TO DIFFERENT CONSUMER REPORTING AGENCIES. NONE OF THE INFORMATION IS EVEN IN THE SAME HOW CAN THIS BE ACCURATE?
Consumer complaint received 2021-08-02
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. (CA)

I reached out to Transunion to dispute inquiries on my credit report first by phone. They indicated that the inquiries were permissible and a record of fact. Fact is something that can be supported by evidence. I then mailed a letter disputing the inquiries and a letter was returned stating that inquiries were permissible and a statement of fact. The evidence : I have no accounts associated with these inquiries : XXXX XXXX XX/XX/XXXX Duplicate inquiries within 30 days! 
XXXX XXXX  XX/XX/XXXX XXXX inquiries within 30 days! 
XXXX  XXXX. XX/XX/XXXX. home purchase inquiry which i didnt purchase a home XXXX XX/XX/XXXX. I have no accounts associated with this creditor XXXX. XX/XX/XXXX. These inquiries are within 30 days of each other! 
XXXX XX/XX/XXXX. Why the repeated inquiries from this creditor? 
XXXX  XXXX. XX/XX/XXXX Were these to be soft inquiries to offer refinancing offers? I have requested a copy of the procedure used to verify and was told they didnt need to verify inquiries. The creditor I contacted has no record of me or requests for my credit file. I have enclosed copies of the section of the FCRA document that XXXX  has willingfully violated to have these inaccurate inquiries appear on my credit file
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been attempting to work with Suntrust on correcting the false reporting they are giving to the credit bureaus since XXXX. I opened the account in XXXX and they are currently not reporting anything prior to XX/XX/XXXX. They are also reporting me 60 days late on my mortgage every month from XX/XX/XXXX to XX/XX/XXXX as of my reports from XXXX. All three credit bureaus confirm this is how Suntrust is reporting me.
Consumer complaint received 2021-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO. (TX)

Ive been told my auto deposits from social security and the VA are being delayed and I have now been blocked from asking questions to Chase on the online messages. What appears online is not a reality as my account is frozen from ALL transactions both in and out and Ive been offered no coherent reason. Ive been given contradictory and inaccurate information
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX XXXX XXXXXXXX account is stated on my credit report that is inaccurate, and well over 10 years old, and still remaining on my credit. I have sent out several attempts to rersolve this issue with Transunion for it be remove but yet have no response
Consumer complaint received 2021-08-03
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 — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC (GA)

I sold my car to an individual and have the notary stamp on the sale of the vehicle. I sold the vehicle as a sublease, and the individual continued to make payments on the vehicle. However, the person that " purchased '' the vehicle declared bankruptcy in XXXX and made one last payment on the car in XXXX of that year. The car was repossessed and my credit was impacted and not the person with the signed notary. I sent documentation of this to BMW financial and they stated that I could not dispute this because a payment was made in XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (FL)

XXXX XXXX DBA XXXX XXXX is in New Jersey. I have never been to New Jersey. Also, this was supposedly created in XXXX. I have been XXXX XXXX in the military since XXXX. XXXX I was in Colorado.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Hello, I ordered a new XXXX XXXX XXXX on the manufacturer 's website on XX/XX/XXXX. I was presented with a {$60000.00} 2.49 % loan offer from XXXX XXXX Bank on the same day, but did not sign any loan documents. Vehicle delivery was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX I went to the XXXX dealership location ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) to pick up the car. Unfortunately the car was physically damaged and had several error notices showing up on the main screen. I spoke with a XXXX representative ( XXXX ) and he told me in his experience this was not normal. I told XXXX that I would reject delivery. XXXX told me that this would not be a problem and that XXXX would cancel the order, have a new car/VIN allocated for me to be delivered at a later time. 

XXXX does NOT allow future owners to inspect the interior of the car and/or the software/computer inside the car before signing the documentation, therefore I was forced to sign their paperwork prior to completing my inspection of the vehicle. I asked XXXX if this would be a problem after I rejected delivery, he said no. He promised me orally and subsequently via text that my deposit ( {$8700.00} ) would be refunded shortly, that the documents would be cancelled and that a new car will be ordered. 

On XX/XX/XXXX I received a notification from Experian that a new lien was added to my credit report. This was the XXXX XXXX Bank loan for {$60000.00} that I never accepted because I rejected delivery of the vehicle. I reached out to XXXX immediately and asked him why my credit report was showing this loan. He told me that XXXX 's systems showed the loan contract as voided, that he followed up with XXXX 's financing team to confirm and that my deposit would be refunded within 30 days. I never heard back from XXXX. 

On XX/XX/XXXX a XXXX XXXX Bank employee reached out to me to let me know that that loan was showing as due in their systems and that I needed to start paying. I explained the situation to him and asked him to reach out to XXXX to confirm that the loan was voided/cancelled and that XXXX kept the car. I reached out to XXXX again and asked for some sort of resolution, but I never heard back from him. 

I filed a dispute with Experian and today the dispute was " resolved '', but the loan remains on my credit report. I have tried getting XXXX 's help on this matter multiple times, but time and again they refuse to do anything to solve this issue. 

I attach the communication I have had with XXXX for the past few months.
Consumer complaint received 2021-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC (TN)

I received a phone call from a debt collector, on Friday, XX/XX/XXXX called direct recovery services from a rep named XXXX XXXX for my brother including an account number for the issue. However, there is not a debt owned and they asked me to call back to resolve the issue.

My brother called the number back and they asked for my name and information. When he refused to give it to them, they hung up. The number they called me from was XXXX
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stern Recovery Services, Inc. (NC)

per the hippa law to demand this collection to be deleted from form credit report. I do not nor have not done business with stern recovery services and under the hippa law they don't have the right to uptain any of my private medical info from anyone on my behalf. Acct number ending in XXXX
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA) (PA)

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the TransUnion credit bureau and found that this REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-04-23
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. (IL)

I received a document that I tried to take out some kind of credit in my name I did not try to get a credit card with XXXX I do not like XXXX they do not have is it in my name XXXX has allowed someone to use the likeness of my name as has Experian on trying to get a credit card that I did not ask for illegally damage in my credit this report is to straighten this situation out I do not desire to have a XXXX credit card I did not see to have XXXX for the car therefore I should not be charged my credit should not be charged in any degree for this I do not have a lot to report because I don't know anything and yeah I want to clarify that I did not try to take out a card or run my credit for a loan or anything similar thank you so much
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Good day to you. Its my Capital One credit card, I haven't use my card for a long time with no balance. That's why I got surprise when I got my statement last XX/XX/2021. There is a balance of {$42.00} but the transaction is from XXXX XXXX  and its XXXX transaction ( which I'm not aware ), so I got charge late fee x 3 months of {$40.00} per month ( Total {$120.00} ). So I called Capital One right away to tell them that its a scam and I'm not the one who made that transaction. They look it up in their system and told me to call XXXX to tell them what happened, so that's what I did. I call XXXX customer service and told them what happened, they said they will make their investigation and will come back to me in a couple of days. So after 3 days they called me back and told me that its a scam or something like that, they said they will refund me the money in 1 to 2 weeks time. I waited for like 2-3 weeks before I check my statement online if the refund already went through ( its there transaction date is XXXX XXXX amount {$28.00} + {$28.00} ). So it's there already and I called Capital One right away to tell them that XXXX proved it or found out that it is a scam, so they refunded my money back in the credit card. So I ask Capital One that since it was proven a scam they should also waive the fees of $ XXXX/month x 3 months. They said they can only waived 1 fee of {$40.00}. I told them why? Its not my fault and they should be the one protecting their customers. Also I told them that I'm a good paying customer, I don't have a record of late fees since I acquired their credit card 8 years ago until now that I got scammed. I'm struggling with Covid situation d/t work is not stable. But nothing, they said they can't do anything about it. I'm afraid that its going to mess up my credit, with the heavy heart I paid {$50.00} + {$52.00} to close the account, because if not they will continue charging with those interest. 

I am reaching out to Consumer Financial Protection Bureau, to please take a good look of my situation. It was proven by XXXX that it was a scam that's why they refunded my money back. Isn't that Capital One should also waive those late fees. I made copies of my statements if ever you need it for evidence. Hoping for your consideration. Please advise. Thank you. 

XXXX XXXX ( Phone # : XXXX-XXXX-XXXX  ) Capital One credit card ending in # XXXX