davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX XXXX Rep Bill XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or XXXX accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a veteran, I have recently moved to the state of XXXX. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Consumer complaint received 2016-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I keep repeatedly reporting incorrect information to Transunion. I get the same results every single time. Transunion is not doing proper investigations. I was denied credit because my credit reports says I have major issues and I have nothing active as of now because of chapter XXXX and It reports I am 119 days late on current energy bill, I see reportings in XXXX saying a payment was received, no payment in XXXX but a payment was made XXXX and XXXX. I ca n't see where 119 days late comes into play. Transunion is reporting accounts from previous chapter XXXX bankruptcy as if were included in current bankruptcy, this account was a old We Energies account and has been discharged, they are reporting it as opened and XXXX missed payments. This account was discharged and closed plus XXXX payments were not missed. I ca n't access my credit report online with them because it states I have a dispute under investigation. I see accounts labeled closed-derogatory on many accounts listed. Transunion owes me XXXX credit reports in 6 months from the lawsuit they incurred and I ca n't seem to get one at all from them. I have been denied credit from insurance and other places because of these remarks yet they make it hard to get anything corrected. I have attached a picture of Transunion stating as of XXXX/XXXX/2016 I have no collection accounts but they have on my credit I am 119 days late for accounts.
Consumer complaint received 2016-06-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

The XXXX card was opened over 10 years ago then when it was sent to portfolio recovery I was not notified and when I tried working with the company to see if I could make payments they would not comply and also would not recently comply with my credit counseling service when I was working to consolidate and pay off my debt. Then I was summoned for a hearing saying I was being sued without notice and they then said I did not show up to the hearing when I did n't know when the hearing was in the first place. Once they refused to work with my credit counseling company I stopped receiving anything from them and was never told how to payoff this debt.
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (WA)

I really need your help because at this point I do n't know where to turn. I opened the mail and I saw XXXX letters. XXXX from XXXX credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other bureaus removed the information I challenged. 
For some reason your company did not remove it. I 'm a little confused here. How is it that the other bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and I 'm starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, I 'm not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. 
Please remove this account
Consumer complaint received 2016-07-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation (GA)

i submitted a complain 2 days ago about this company and it lies they are depositing check in my account allthough we were promised and told that they dont have those payment my last complain is XXXX they have since withdrawn another XXXX from my account this manager which here phone number is XXXX XXXX XXXX she promised that they have no payments and she will reimburse me any fees or payments
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My information was compromised and used to obtain medical and other things. I '' ve noticed collection accounts on my credit report that are fraudulent. I 've submitted information to the credit bureaus however they do n't really seem to care too much. They 've helped some but XXXX and XXXX.. just to name a few really do n't care. I battled XXXX about 2 years ago and have not had time to address this until now. Hoping this will bring some relief. Noticed fraud items beginning in 2014 but like stated earlier too much in life was going on. I received letters from XXXX for our prepaid card and XXXX XXXX so I figured it was from this but this was just something that might have released. No One knows who stole my identity bc no cameras and police said it 's hard to track unless they use it local.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am disputing several inaccuracies on my Equifax credit report that I believe are incorrect. These accounts do not reflect accurate information, and I am hoping that they can be reviewed and corrected. Also, there are two unauthorized inquiries that need to be removed. Please see the details below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm personally submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payment entries. Despite sending letters about this issue more than 30 days ago, I've received no response, and they haven't provided satisfactory validation. I'm seeking your help to resolve this matter quickly and effectively.
Consumer complaint received 2017-05-27
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)

TransUnion  LLC   XXXX .  XXXX   XXXX   XXXX , PA  XXXX   XXXX  The following are credit inquires that should not be listed on my TransUnion credit report. I never authorized these companies to access my credit report. I have never heard of these companies. I have contacted customer service for each of these companies and they refuse to help care of the negative inquiries reporting to your credit report That I did not authorize. I also contacted TransUnion and customer service refused to help. I was told by TransUnion to contact the companies even after explaining that I have already contacted each of these companies numerous times.  <P/> Date :    XX/XX/XXXX   Co mpany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  Phone # : (  XXXX  )  XXXX  Date :    XX/XX/XXXX Com  pany Name :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  XXXX  Date :   XX/XX/XXXX Co mpany Name :  XXXX   XXXX   XXXX   XXXX .   Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Phone # : (  XXXX  )  XXXX
Consumer complaint received 2016-07-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I believe that I my consumer rights are being violated by Capital One Auto Finance. I refinanced my car with Capital One Auto Finance. At the time I chose the terms that my loan would be for 65 months at {$290.00} per month. I received documentation that this would be the terms of the agreement. 
I received documentation through the mail that the terms were different from what I signed up for. I contacted Capital One 's customer service dept. and explained the situation. The representative assured me that my terms were correct and that it was a mistake on their part. Meanwhile, I continued to make the monthly payments of {$290.00} per month. Capital One started contacting me that I owed additional money. At first I assumed that it was taking them a while to get the mistake corrected, but after being contacted again, I spoke with them and told them that I believed that the amount was in error because of what I signed up for. That is when Capital One decided to tell me that they did n't do it for that amount because the refi amount was different. Capital One never notified me of any of this through the mail. They just continued to show that I owed {$20.00} and even threatened repossession of the vehicle, when I was making monthly payments, that I believed were to be correct. 
Now, I notice that Capital One Auto Finance has reported to the credit bureau that I was over 60 days late on {$20.00}. I find this to be unfair, especially since I was making my monthly payments and was under the assumption that the terms that I signed up for were correct. I would like for Capital One to resolve this matter before legal actions are taken.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

This dispute comes regarding a letter dated XXXX XXXX, received on XXXX XXXX, XXXX, relative to past due account for the above referenced apartment. Pursuant to numerous telephone conversations with XXXX, XXXX and XXXX, in the Leasing Office, prior to submitting the 60 DAY NOTICE OF INTENT TO VACATE, all contractual obligations were fulfilled, according to discussions with the Leasing Office Staff, for vacating the apartment. The last conversation was in person on XXXX XXXX, XXXX, with XXXX who reviewed the obligations and confirmed the rent should be paid on XXXX XXXX, XXXX for the full monthly rental amount, and XXXX XXXX, XXXX in the amount of {$330.00} Also attached is a copy of the Move-Out-Key Return The apartment was left in exceptionally clean condition, pictures are available. 
I am certain this communication will clear the miscommunication.
Consumer complaint received 2016-11-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (WI)

I have a loan through Ally Financial. I recently went through the loss of a job so I had requested a deferment for 60 days. That was approved. I followed their instruction for the deferment and paid them {$320.00} on XXXX XXXX. I was to then wait for the paperwork and send it in as soon as I received it. I never received it - I called and they said they would send out again - again, never received it. I called them and they said that they would send it out again. Since there was another payment due in the meantime, I asked how that was going to be handled. They responded that there would be no additional charge and that I would receive my paperwork soon. It has been almost a month. I have called every day, I have got a different story and a different excuse every day regarding this deferment. I am extremely frustrated and I think they have been negligent by not being honest with me. I am concerned because my account says I owe and all I want to do is have this deferment be complete. I finally received paperwork - that was incorrect - they said that I should just sign that one and indicate on it that the amount was incorrect. I scanned it and sent it in ( not thinking it was a good idea to sign an incorrect document ), but who knew when I might get a replacement correct document. I just got off the phone with them now again and they said it is in progress, please wait 24-48 hours. I have been waiting over a month .... ARGH!
Consumer complaint received 2016-11-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

I sent the following letter to XXXX. on XX/XX/XXXX, when I found the charges in collection on my credit reports. 

To whom it may concern, 1. On XX/XX/XXXX I spoke first a representative XXXX at XXXX and requested cancellation of the account effective XX/XX/XXXX. 
1.1. She stated that I had to speak to XXXX to cancel the account. I spoke to XXXX, providing the same information, and was asked to fax the request to cancel the service. 
1.2. I then faxed the request to the number I was given XXXX and formally requested cancellation of the account effective XX/XX/XXXX. 
1.3. Since XXXX Company had official ownership of the home by the court any charges billable after the date of XX/XX/XXXX need to be removed from our account. 
1.4. I requested a final bill be sent to my daughters address in XXXX. Fl. No final bill was ever received from your organization. 
2. Unsure of true amount owing I paid {$99.00} on-line on XX/XX/XXXX in an effort to satisfy our debt up to XX/XX/XXXX. 
Sincerely, After receiving this letter the collection notice was removed from my credit report. 

As of this month both XXXX and XXXX are both reporting the charge of {$320.00} in Collection again. 

I have been dealing with this issue since XXXX. What can be done to have it removed preminantly?
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed with Transunion and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Transunion make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Transunion or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.
Consumer complaint received 2016-07-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lloyd & McDaniel, PLC (AL)

Debt collection agency is confusing me with someone with the same name. Even after letting them know that they have the wrong person ( when they tried to garnish my wages ) they have continued to try to collect the debt, threatening to garnish bank accounts. The worst part is that the legal notices of the garnishment attempts are going to the correct person, but the actual garnishment attempts are against me -- so I do n't have an notice of the activity until it happens. 

The debt collection agency has ignored all communication from me, and refused to give me any thing official to say that they realize that they are going after the wrong person.
Consumer complaint received 2016-08-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (CA)

I arranged with XXXX for phone, tv and internet service in XXXX 2015. The installation was badly botched and none of the services worked. Nevertheless XXXX XXXX sent a bill for {$43.00} for XXXX service and within weeks sent it to collection. I subsequently received a gift card returning {$18.00} from XXXX XXXX ( a subsidiary of XXXX ) indicating no further payments due. But XXXX sold the account to XXXX XXXX who then. Now I 'm getting called by a XXXX debt collector Diversified something or other.dropped efforts once informed of the XXXX response.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Portfolio Recovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Portfolio Recovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you