davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-17
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: Avid Acceptance, LLC (AL)

A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX  was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Avid, XXXX, I did not get another vehicle and would like these inquiries removed from my credit file.
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

After several bill mishaps that resulted in credits, I decided to purchase some items ar Kohl 's. As it sometimes happens, several items were returned and a credit was issued, which was then used on replacement items. After the replacement items were purchased, I assumed that the credit had covered the cost of the new items. This was not the case and I was unaware that I owed {$1.00} after my purchases were made at the Kohl 's in XXXX, NH. I never made me aware of the fact that I owed this paltry amount, until XXXX notified me that my credit score had been reduced by 60 points. 

I contacted Kohl 's immediately to pay the outstanding balance and inquired as to why I was never informed of this balance. That question led to them informing me that I couldn't resolve the case directly with customer service ; I would have to submit a formal complaint to Kohl 's for their internal team to investigate. Upon the completion of the internal audit, Kohl 's decided that I was ultimately at fault for a bill that I never received via email. 

I was also told that they couldn't change the verdict because " Updating the information as you have requested will create an inaccurate representation of the status of your account with us. The integrity of the credit reporting system relies on the validity of the information furnished ; therefore, we are unable to comply with your request to update this information with the credit reporting agencies. '' There is no issue with my payment record with Kohl 's prior to this measly amount that I didn't know about and I made a payment as soon as I was aware that there was a balance. I also find it absolutely ridiculous that during a global pandemic, where people are losing their jobs or being furloughed, that Kohl 's is holding my credit hostage over such a ridiculously small amount of money.
Consumer complaint received 2020-04-23
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. (LA)

To whom it may concern, I had been paying on a mortgage my Mom had with XXXX XXXX XXXX since her passing on XX/XX/XXXX. The scheduled installments were {$300.00} per month. I have always applied additional funds to the payment to accelerate the payoff. 
However, I received a request of renewed Flood Insurance, which I furnished to them as soon as I got the notice, which was in XX/XX/XXXX. In XXXX, I received my new statement which was now {$1200.00} per month. I immediately reached out to XXXX and told me that they couldn't speak to me regarding to account because my name wasn't on the loan. this was a total lie. My name was all over the documents .For this reason, and from this moment on they refused to speak to me in any fashion about this loan, although I was the one making the payments. From this time forward the statements would be {$1200.00}, and since no one would speak with me, I continued to make the regular payments. Until XXXX of XXXX, I noticed that the payments I was making were not being applied to the loan, they were holding them in what the called, suspense. At this point I stopped making payments, and hired an attorney. Still, no one speak to me, or my attorney. this went on until XX/XX/XXXX I made arrangements an paid off the loan. However, they reported me to the credit bureau as a foreclosure. To the point, I was not foreclosed on, therefore there shouldn't have been any reporting. 
So again I tried to speak to someone about this matter, and they referred me to some customer service web site. I explained the situation to them, and asked them to remove the foreclosure report, since there wasn't one. again no response. Til this day I've had two people talk to me in a seventeen month span. I have all the documentation to show that this Institution is criminal in their practices. I was never foreclosed on, please have them remove it from my report. 

Thank you, XXXX
Consumer complaint received 2020-04-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-25
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. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I obtained a copy of my credit report through Transunion and the following phony account is being reported by Capital One Bank on my credit report. I never opened this account with Capital One Bank and when I called them to get it fixed all they did was run me around in a circle but did nothing to correct the problem. Also they have a fake phone number on here for me. My phone number has never been ( XXXX ) XXXX CAPITAL ONE BANK USA NA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX Date Opened : XX/XX/2020 Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Balance : {$0.00} Date Updated : XX/XX/2020 High Balance : {$0.00} Credit Limit : {$1000.00} Pay Status : Current Account Terms : Paid Monthl The companies that request your credit report must first provide certain information about you. Within the past 90 days, companies that requested your report provided the following information. 
Requested On : XX/XX/2020 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consum
er report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (SC)

This complaint is about the CARES Act, Corona Virus mortgage relief program. As I understand, if I have a federally backed loan, I can apply for forbearance for up to 180 days. I have a XXXX XXXX owned loan serviced by PNC Bank. I applied for forbearance due to my salary being reduced during this pandemic. I was told the only forbearance available was to delay my payments for 90 days, but that all previous three months payments would be due at the end of the 90 days. That's not much of a relief. 

I do not believe this is the proper response by PNC Bank and would like clarification on this matter. 

Sincerely, XXXX
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (FL)

An account with XXXX XXXX was opened without my permission, the company is attached to a credit card from the Barclays Bank of Delaware both accounts are reporting on my credit, I don't have any business with either company I haven't used any services or credit from either company
Consumer complaint received 2023-03-06
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. (CA)

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NM)

Several weeks ago, I was using my wells fargo online account when it said we could click on an offer to stop the next three payments for the mortgage due to coronavirus, if we had issues. Since my daughter moved back in, and with other problems I clicked on the offer. The offer said that the payments would be added to the end of the loan and there would be no application or anything else I needed to do. Then, my wells fargo mortgage account was cut off from making any payments while online banking. I did not think much of it and moved on. 
Then, wells fargo sent me a letter where it states clearly that the payments are to be put on the back of the loan and if I needed more assistance, which I did not, I could apply for a modification. At the bottom of the letter, in fine print, it said that these payments were due at the end of the three months, and missing the lump sum payment would result in foreclosure. I was shocked, and couldn't believe they would do this. This was not what was said when I clicked on offer they put on my wells fargo account. 
I immediately called wells fargo and waited over an hour to talk to an agent. She said she did not know anything over the letter, and that I would have to talk to the mortgage department. I waited 45 minutes to no avail. I could never get the time to wait the hours necessary to get a hold of the mortgage department over this issue, and the banks were closed and not willing to handle the issue through the drive-thru service. 
I tried to make a payment but could not as the account was locked from making any payments due to the offer I accepted, even though wells fargo encouraged me to make a payment if I could in the letter it sent to my house over the forbearance payments. I could no longer make payments since my account was frozen, and I would go in foreclosure if I could not make a payment. 
Wells fargo tricked me into accepting an offer that would have put me in foreclosure, so they could profit from a government program. They locked me out from making payments knowing that they would file foreclosure if I did not make the payment, and made it impossible to get an explanation. This was misleading and possibly dangerous practice conducted by wells fargo and stopped me fulfilling my obligations. This was not advertised in the original offer, and the fine print stated different facts than the rest of the letter. 
By cutting me of from making payments I was put in danger of foreclosure. By selling me on false hope, I was put in danger of foreclosure. This was a fraudulent game wells fargo used to collect government money and not help the people they were supposed to help.
Consumer complaint received 2020-04-23
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. (CA)

CHECK FOR XXXX XXXX REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (DE)

This bill was not billed to insurance and it should have been. When I visited the office they accepted my insurance cards ran them as active and I was seen, a year or more later they said my insurance was inactive which is ridiculous! If my insurance was not active at the time of the visit I would have asked to NOT be seen so that I dont obtain a bill later.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (WA)

I disputed 10 hard inquiries on my equifax report with equifax and they stated that they have been verified. So on XX/XX/XXXX I wrote a dispute letter and mailed it to equifax asking them to show proof of how they verified these hard inquiries and to show permissible purpose. They said to contact the creditors. Ive contacted several of the creditors and theyve told me theres no proof of application or info on me. Equifax is not reporting on my credit report correctly and I want these inquirys removed immediately. 
I also disputed a collection account that I do not believe is accurate or belongs to me. XXXX XXXX. I mailed this dispute letter in on XX/XX/2020.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (NY)

I previously tried to resolve this issue, be requesting information to validate this claim. The information i received in response to this was that they claims were " valid '' and no further action would be taken. In light of said response based on my first initial letters, these must be removed or i will proceed to take legal action. I am not responsible for these debts and would not like my credit profile to reflect that.
Consumer complaint received 2024-11-25
Product: Credit reporting 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. (MN)

I wan na to delete those inquiry from my credit report and it is on TransUnion. 

XXXX ( Bank ) XXXX XXXX XXXX ( Finance ). XXXX XXXX  ( Auto ) XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ). XXXX XXXX ( Bank ). XXXX XXXX XXXX ( Finance ). XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ). XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXXXXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank ) XXXX
Consumer complaint received 2023-03-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (CA)

I have had an account with Discover Bank for over 4 years. Recently I decided to close the account and transfer the funds to an account, also in my name, at XXXX. To this end I submitted a wire transfer request through Discovers mobile banking app. 


After making the request I received a call from Discovers wire department. They said they needed to do further verification. I answered all of their verification questions correctly. 


At the end of the call, they said they also needed a photograph of my drivers license. Given that this requirement is not disclosed in any documentation available to me, and in light of their poor data security practices evidenced by the data breach they experienced a few years ago in which customer data was offered for sale on the dark web, I declined. I asked that the wire transfer request be cancelled. 


Since then, I have learned that Discover has frozen my account. I submitted electronic transfer requests through XXXX as an alternative means of transferring the funds but these were denied by Discover. XXXX has informed me Your account at the external institution is ineligible for online transfers. Please understand that Discover Bank is an online bank. They have no branches aside from a single nominal branch at their statutory headquarters in Delaware. All of my activity during my 4+ years with Discover has been conducted online. 


Under the guise of online security Discover is preventing me from terminating my relationship with them and moving my funds elsewhere. The account continues to earn a rate of interest significantly below the risk-free rate at this time, enabling Discover to continue to profit on my funds at my expense despite the fiduciary prohibition on their doing so.