davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
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. (CT)

On XX/XX/XXXX, there was an inquiry on my credit report from XXXX, XXXX XXXX from a cell phone order. My Social Security was used and XXXX asked me to fill out a fraud form which I did and faxed it to the number they provided me. I called again after 30 days and the form was not able to be located by either XXXX or XXXX XXXX. I was being sent back and forth to talk to different agents that had no clue what to do and were not helping me at all. I then called again at the end of XXXX to and I guess they did an investigation on it which I was told by multiple agents that it was complete and the inquiry was going to be removed from my credit report within 30 days. It has been about 3 months now and the inquiry has not yet been removed. I also told them that I was in the process of getting a like of a credit for a real estate contract I had and it was going to be denied if the inquiry was not removed since it effected my score a lot. They did not seem to care and continued to say it will take weeks for it to be done. I filed a complaint with the XXXX XXXX XXXX which I received a response from the company about them not receiving any fraud forms. Also, I included all the info about the issue and they closed the complaint without doing a thing to remove the inquiry. This is getting to be ridiculous over something that was not authorized by me and I am being affected by it.
Consumer complaint received 2020-04-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AXOS FINANCIAL, INC. (WA)

On XX/XX/2020 I was alerted that 2 charges in the amounts of XXXX and XXXX had posted to my XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  These charges were not authorized by me and no permission was given for XXXX XXXX XXXX XXXX to charge my card for these additional amounts. In XX/XX/2020, I placed 2 orders on XXXX XXXX XXXX XXXX website in the amounts of XXXX and XXXX which were processed and paid in full. I have bank records to confirm these transactions were paid in full. No additional charges were made or authorized by me. I have attempted to contact XXXX XXXX XXXX XXXX Fraud Department and after contacting them numerous times during business hours have not been able to reach anyone to report this. There is only a recording that no representative is available to speak with at this time. I am also getting the sams message when attempting to contact XXXX XXXX and report fraudulent activity.
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (FL)

I feel like I got scam by the car sales man from XXXX XXXX XXXX  '' that sold us this car. This loan was super high interest. And when I notice that the sales man told me and my husband not to worry, because if you pay your loan for three months straight without missing a payment. The loan company will be able refinance the loan for a lower interest rate. So we followed the sales man instructions. And pay our car note on time for three months. And of the third month I called the loan company and tried to refinance, they told me that our credit is not good enough to refinance a loan at this time. They said tried calling back in about six more  months. So I was super stuck after that, because I couldn't afford to pay this high car note for another 6 months. I had to pay about XXXX a month on this car plus insurance. The car was about XXXX and we was charged about 35 % interest rate. We told the sales man that we could not afford to pay XXXX every month for 30 months, but he reassured us that we will be able to lowest the monthly payments in 3 months.
Consumer complaint received 2020-04-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners (AL)

The calls began in early XXXX. I was contacted for a medical debt for a 2 years old date of service. I did not know of any debt ; I called my insurance company, and they confirmed that the bill for a visit was paid. However, upon further investigation, I found that I was billed separately by the Dr. of the visit. Each time Affiliate assets solutions contacted, to collect the owed debt, they never discussed whom I owed until I asked. I requested a written statement but was denied as they have attempted to send me mail in the past. However, that is not true, and I have yet to see a written letter from this group. XX/XX/XXXX, I was contacted by this group and asked for more information, but they refused to give any further information. Today ( XX/XX/2020, at XXXX ), I contacted affiliate asset solutions ; they were rude and continued to harass me for a payment that I do not understand. I asked if they had any information about the group that is trying to collect, and how I could get in contact with that group was told no. Again, my loved ones and I have received repeated phone calls, dealt with rude and standoffish behavior. I did not receive enough information to verify the debt ( what this debt was for, the location and who was the Dr. ),  dispute me asking for a written statement affiliate asset solutions did not give me a notice of right to dispute. They did not have any information for my insurance company to contact them and pay for this bill, but my insurance was able to go around and fix the bill.
Consumer complaint received 2020-02-03
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. (GA)

EXPERIAN, XXXX  AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/LOANS ON MY CREDIT PROFILE. BELOW ARE THE LIST OF THE FRAUDULENT ACCOUNTS : Fraudulent Accounts : XXXX XXXX  XXXX : Account Number : XXXX -- ->Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX -- -- >Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX OF ED/XXXX  : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX DEPT OF ED/XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX  : Account Number : XXXX -- >Date Opened : XX/XX/XXXX XXXX XXXX  XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX XXXX XXXX XXXX : Account Number:XXXX -- -> Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX  : Date Opened : XX/XX/XXXX U.S. DEPT OF ED - XXXX  : Date Opened : XX/XX/XXXX U.S. DEPT OF ED -  XXXX  : Date Opened : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Fraudulent Inquiries : XXXX  : Inquiry date : XX/XX/XXXX XXXX XXXX : Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX  : XX/XX/XXXX Fraudulent Collections : XXXX XXXX -- -- Opened XX/XX/XXXX XXXX XXXX XXXX -- -Opened XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, AL XXXX
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transunion is reporting XXXX XXXX XXXX on my credit report and I spoke with the Consumer Finance Division in South Carolina and they stated this lender doesn't even have a right to lend in this State. This was an illegal loan and I have advised XXXX of this information and asked them to remove this illegal loan from my credit report, the request is currently pending an investigation but I cant understand what there is to investigate if the company was never incensed in my state to begin with.
Consumer complaint received 2019-08-08
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 severeI items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXX XXXX. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I had a student loan with XXXX XXXX  and this loan was under SCRA benefits from XX/XX/XXXX to XX/XX/XXXX. There were no fees applied to this account and no late or missed payments. On XX/XX/XXXX the loan servicer, XXXX XXXX XXXX ( XXXX  ), discharged the loan and US Military Veteran XXXX XXXX XXXX XXXX XXXX. Shortly after this happened, XXXX reported to the credit bureaus that this account was delinquent. In short time, XXXX had this corrected. In XXXX of XXXX, XXXX XXXX  again listed the account as derogatory with first delinquent date in XX/XX/XXXX and that the account was a settled debt/charge off and paid for less than amount agreed. I disputed this information with the credit bureaus and with the loan department at XXXX  at that time and they stated that the information was correct. I filed a complaint with CFPB and the Office of the Chairman from XXXX  contacted me and resolved the issue and sent corrected information to the credit bureaus in XX/XX/XXXX to correct my credit reports and to list the account as " Settled in full ; No Delinquencies Reporting ''. Equifax and XXXX  had corrected my reports, but by the time they had corrected, XXXX  had changed their reporting, so I had to dispute again. XXXX  eventually updated their information to the correct account status once I sent copies of the letters from XXXX, but then Equifax in XX/XX/XXXX reverted the account back to being a derogatory and as a Charge Off. XXXX sent another letter in XX/XX/XXXX listing the account as Paid ; Closed account as XX/XX/XXXX. Equifax changed the account status as Paid ; Closed  Account as XX/XX/XXXX, but still listing the account as a Charge Off and lowering more score. The account is not a Charge Off and the Office of the Chariman has asserted in the letter sent to me on XX/XX/XXXX that it is not a charge off and it was not delinquent. So, I contacted XXXX  again after disputing with Equifax at the beginning of XXXX the Charge Off comment on my credit file because Equifax stated in my dispute result that XXXX  confirms it as a Charge Off, but when I call XXXX  they say that it isn't being reported as such and continue to send me the same letter. Equifax also has this account reported twice on my report ; once as bad and once as good. 

While writing this complaint, I spoke on the phone with a representative with the recovery department at XXXX and he stated that a supervisor assured him that XXXX is reporting this account as paid as agreed and not a charge off and that it is a credit bureau issue of not reporting it correctly. This complaint is solely against the bureaus not reporting correctly. 

I will send the letters I have from XXXX  that state the account is in good standing and that it has never been delinquint/derogatory/charged off if requested. The account number ends in XXXX.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I disputed the XXXX XXXX XXXX XXXX late payment claim with Experian Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Consumer complaint received 2020-04-24
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: EQUIFAX, INC. (PA)

Disputed a chap XXXX bankruptcy with all 3 credit reports. XXXX, XXXX and Equifax failed to verfiy within 30 days the items disputed, in addition not provide results of the investigation within 30 days.
Consumer complaint received 2020-04-24
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-04-24
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-04-24
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My issue is still not resolved. The form I received through the mail through Transunion does not have the pin number listed on it. The instructions indicate I need to go online to retrieve the pin. The issue is that I can not register a minor online. On Transunion website I will either get a error message or will be directed to a page that indicates I need to mail in additional documents. I have already done this twice with no response from the company. I only received a response from the company when I have filed a complaint with the CFPB which is unfortunate. I should not have to use this avenue to contact a company and get a issue resolved. The company should have effective means internally to resolve issues such as this. I must say this has become rather exhausting as I have been trying to get this issue addressed since XXXX yet it is almost XXXX and I am still trying. I would love to speak to someone personally to get this issue resolved. Even now as I have tried multiple times to call the customer service line at XXXX I can not reach anyone, just music. At this point I have been on hold for 45 minutes and still have yet to been able to speak with anyone. Can someone please help me!!!
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-04-24
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NY)

As per FCR Act Sec 609 ( a ) ( 1 ) ( a ) I requested but never received a physical original signed consumers contract between myself and said creditor. 

Under FCRA all unverified accounts must be removed. Remove ASAP
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

XXXX reports my account as 120 days delinquent in XXXX and XX/XX/XXXX ; and 90 days delinquent in XXXX and XXXX in XXXX to the three major credit reporting agencies. This account has been in a deferred/forbearance state since its inception due to my inability to pay. I have never been required to make a payment on this account because of this status. I contacted the servicer directly in XXXX, XXXX and XXXX to correct this error, however the inaccurate information has not been removed. Additionally, my credit history has been negatively impacted.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

The credit card company, set a past due amount, when I had paid the account in full. The bill me for yearly, credit card protection with out notifying me of the new balance. The past due fees were cancel and dismissed by the credit card company after being notified by me. I disputed the past due in my credit report, but it was never deleted.
Consumer complaint received 2019-07-21
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: Onity Group Inc. (AR)

XXXX, XXXX XXXX XXXX ORINATED AND SERVICED LOAN XXXX AND WAS FRAUDULENTLY SERVICING LOAN AND NOT APPLYING 9 MONTHS IN XXXX. TO COVER UP SOLD TO OCWEN AND DID THE SAME. 


XXXX, XXXX & XXXX OCWEN XXXX XXXX XXXX XXXX