davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Trans Union and XXXX have not removed a reported Maryland state tax lien from my credit report. The lien itself does not contain my full social security number or date of birth, therefore, they can not report it on my file.
Consumer complaint received 2018-02-02
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. (MI)

This has been a recurrent issue with reporting several accounts that were paid by a loan consolidation as more than 120 days past due. Currently being reported to all the credit bureaus are twelve XXXX accounts pay status " Account 120 days past due '' Accounts as follows : XXXX XXXX Dates opened XX/XX/XXXX appears twice {$380.00} and {$810.00}, XX/XX/XXXX- {$2400.00}, XX/XX/XXXX- {$1300.00}, XX/XX/XXXX appears twice as {$1600.00} and {$980.00}, XX/XX/XXXX appears twice as {$1300.00} and {$1300.00}, also there is XX/XX/XXXX entry {$1700.00}, XX/XX/XXXX for {$1700.00}, and XX/XX/XXXX for {$1800.00}. The other account XXXX XXXX reporting {$3700.00} account more than 120 days past due.
Consumer complaint received 2018-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (IL)

Over thirty days has lapsed and I still have not received a written response to my debt validation request. I am trying to purchase home and my credit score dropped about 90 points as a result of this account being reported to my credit report. To date, I have yet to receive any kind of phone call or written notification regarding this supposed debt. I do know how or why someone can place something on your report without contacting you first. I have no knowledge of this debt or any monies owed to who they say i do. That is why I wanted them to validate the debt and they are not responding to me.
Consumer complaint received 2018-02-27
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: Experian Information Solutions Inc. (MA)

On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: STATE FARM BANK, FSB (PA)

Please delete Accounts information with missed payments on XX/XX/2014.  Data in the system are not valid, then I had Tax id number only, now I have SS number My social seciurity number XXXX. 

old information destroys my credit score, please delete this information
Consumer complaint received 2018-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I do believe that I have previously filed a complaint, about an issue with two hard inquires that I feel should be removed. Executive Employee XXXX supposedly did this investigation and called me telling me that my investigation had been denied. 

I was also told that I was denied credit due to the fact there was an initial fraud alert on my credit report. And that because my contact number was not listed on my credit report that I was denied. This information is totally untrue cause when I call XXXX, XXXX, and XXXX they all tell me that since XX/XX/2016 my contact number is listed on my credit report and that they actually require a phone number to be placed on your credit file while an initial fraud alert is in place, that was their policies. 

I dont know where Capital One came across that I wanted a credit card because these inquires are indeed frauduant inquires, as a result XXXX   has came back and even found a void within Capital Ones so called approved inquiry they came back saying while the address was confirmed my residence they researched further and found on the dark web part of it that the actual inquiry IP Address came out of State of Pennsylvania they would not disclose location due to security reasons. As a result Capital One no longer exists on my XXXX Credit Report. If Capital One was true and correct to their statement and initial investigation then why did XXXX   delete their inquires off my credit report for fraudulant inquires. 

However the fight continues because XXXX  and XXXX have not removed this and has required that i reach out and resolve this issue with Capital One. 

I ask the Capital One reopen this Investigation because the 2 Inquires on my credit report are fraudlaunt inquiries and if Capital One wont investigate then I will have no further choice but to file a complaint with the FTC stating the Capital One has broken the Fair Credit Report Laws because in general that is the truth. 

I feel the investigation was not conducted fairly, and I feel justified for my actions and I ask for a reinestigation and response to this situation.
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

A while back, I checked my credit reports online and saw an account being reported by Trident Asset Management, a " debt buyer '' account regarding XXXX ( I assume XXXX of Florida, not XXXX XXXX ). 

Apparently, this has been reporting as a collection to my credit since XX/XX/2015. They are only reporting it to XXXX, and there is no information about who the collection is from. I disputed the debt and even though they verified it as accurate, they still haven't reported who the debt is from, or provided me with that information. I do not have any debt owed to XXXX and I have yet to receive any information or verification from Trident which would in any way indicate otherwise.
Consumer complaint received 2018-02-27
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. (MA)

On XXXX and XX/XX/2016 my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of Business XXXX XX/XX/16 and XX/XX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-27
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: Bread Financial Holdings, Inc. (MS)

Have a credit inquiry from XXXX/XXXX XX/XX/17 Clothing. This company is supposedly XXXX XXXX. I have had no reason or will ever have a reason to request credit from this company. I contacted the ( XXXX ) XXXX. spoke with a representative says that they could not help me and said inquires cant be removed.
Consumer complaint received 2018-02-27
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: Experian Information Solutions Inc. (FL)

Ive called each credit bureau multiple times advising them of unauthorized inquiries and they did nothing to accommodate the situation per the FCRA. I listed all the inquiries and told them that they should not try and make us contact the creditors for accounts we dont have and did not authorize. Over half of these hard inquires were placed on my account 2015 and I was overseas in the XXXX.
Consumer complaint received 2018-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I checked my 3 credit reports and saw inquires from auto companies. I tried to call the credit bureaus to dispute the inquires on my reports. I was told they can not dispute inquires, but to contact the companies. I wrote letters to each company that was on my report that I didn't authorized. I mailed them certified by us mail on XX/XX/XXXX and put current licences and copy of ss card. I got letters back from Capital One Auto Finance for all the different car companies that is on my credit reports as inquires. It says my Social Security Number was confirmed with all the inquires, they did not send anything I signed just a letter saying they confirmed with ssn. The letter also says if I believe its fraud and to dispute it I need to mail in several items like police report, application reference number, signed letterhead from the dealership requesting inquiry. How am I suppose to produce this info if Ive never went into a dealership to apply for a car loan. Some of these inquires date back to XX/XX/XXXX.
Consumer complaint received 2018-02-28
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: Experian Information Solutions Inc. (IL)

My student loans are satisfied fully. I have requested that the loan servicer remove the credit reporting and they advised on XX/XX/XXXX that they will not remove until XX/XX/XXXX. 

The accuracy of their reporting is in question as they should 60, 90, 120, 150, and 180 delinquency, but not reporting of 30 day delinquency. Additionally, attached are 3 screenshots : XXXX 1 and 2 are from a credit report pulled on XX/XX/XXXX and the 3rd XXXX screenshot is from an older credit report from XX/XX/XXXX showing on XXXX reporting with conflicting dates and delinquency time frames. 

I'd like proof of all payments, non-payments, etc from the loan servicer as well as from XXXX XXXX XXXX. I'd also like documentation from XXXX XXXX XXXX that they requested, approved, and accepted this on XX/XX/XXXX and not before. 

I'd like all record provided from the dates of XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I previously had a BOA account which open but it has been over 120 days without activity as of XX/XX/XXXX. The last statement I received indicated I was over drawn due to monthly fees in the amount of {$32.00} ( estimate ) I was unable to put anything in this account until I made an cash deposit on XX/XX/XXXX in the amount of {$660.00} at BOA ATM. Upon making the deposit I called & was told the account was closed. I understand the reason, but I have been unsuccessful getting my funds returned or additional assistance on the phone. I was willing to pay the fees. However anything in excess should be returned. I attempted to get assistance over the phone & have been bounced around from department to department. I need assistance because if they are not willing to provide an account for me I need to be able to take my funds elsewhere. Please note the rep I spoke to onXX/XX/XXXX stated the funds showed in their system & she & her manager was confused why the card was still active. I did not know about the status of my account until after I made the deposit onXX/XX/XXXX & called them.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (CA)

Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and XXXX on XX/XX/2017. 

Dept of Ed / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the XXXX court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

Thank you.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2014 The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/2014 the dismissal was filed with the court. 
Since then, the three credit bureaus ( Experience, XXXX, XXXX XXXX ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (KS)

I have a Barclay rewards card. Twice now they have lowered my available credit without notifying me. Both times they lowered the available credit to within a few hundred dollars of the amount owed causing a balance to credit limit ratio creating a negative effect on my credit. I have not used the card in over a year and have had payments taken out automatically to pay down the balance. They claim the can do this. Really? 
I am being punished for nothing.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

this is the 2nd attempt to resolve this matter in relation to a XXXX account that was started in my name. in my previous complaint i have REQUESTED that XXXX or diversified consultants to send me ALL proof of this account when it was started, how it was started, and a copy of the drivers license, or signature that they had on file when the account was started. i have asked numerous times to VALIDATE that this account was truly set up by me or if this account was even started at all. i have been in compliance and mailed my fraud affidavit in XX/XX/2017 along with my drivers license that showed the date of issuance for XXXX fl at the address XXXX XXXX XXXX  XXXX XXXX XXXX fl, along with a savings account bank statement dating the specified times requested. and police report for a miscellaneous crime to XXXX fraud department and have not heard from ANYONE. i am getting weary and do not feel like i have to keep trying to prove that i did not set up nor use said account. so this is my 3rd attempt to ask XXXX or diversified consultants to send me PROOF that it was indeed my account and that I AM REQUESTING the store location as to where this was started and the sales member to be identified who allowed someone to start an account in my name without me being there. the name on the account is XXXX XXXX that alone should suffice that you have the wrong XXXX. my name is XXXX XXXX. XXXX i have never had my name changed to anything else. as stated above i need ALL documents in relation to this account especially how it was started and what verification XXXX went through to make sure that it was indeed I XXXX XXXX that was starting services. if the two company 's can not provide these requested documents then you MUST report to all bureaus for deletion for reasons of no validation. thank you.
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CA)

I have a 36 month lease for a XXXX XXXX XXXX through GM Financial that was initiated in XXXX of XXXX. In XXXX of XXXX we moved to a new address and advised GM Financial of our move. Our XXXX, XXXX, and XXXX of XXXX bills were all sent to our new address. Then in XXXX the XXXX bill did not show up. I tried calling them, but no one answered the phones. I went to the web site and it was only semi-functional, but there was a message saying their customer service office was closed, no explanation, and would reopen in XXXX! With no other option I copied an old bill, attached a check for the correct amount and mailed it off. This month I got a bill to the correct address, which I promptly paid. Today I got another bill sent to my wife 's name, to our old address, with a charge of {$25.00} for an " EARN TAX, '' and when I called customer service their automated line also had this amount identified and said it was PAST DUE. I sat on hold for about half an hour and finally talked to a customer service rep named XXXX, who was very cavalier and smart XXXX about the whole situation. I worked for XXXX for over 32 years, the last 10 years in XXXX 's Disaster Recovery line of business with the largest businesses and govt. agencies, including State of California for many years. I have a very strong suspicion GM Financial had a major failure or hack of their system and in the process of restoring loaded some bad tapes, at a minimum. I know that GM Financial has thousand 's of customers in California and all of them were victims. The customer service rep tried to guarantee me this would not hurt my credit and that the problem was fixed, but I have a low level of faith at this point. GM has a long history of taking short cuts that put their customers and not just financial but also physical risk. Shame on me for not remembering that before I leased a car from them. I do think this matter should be looked into at the highest level and proper action taken. GM Financial has failed their fiduciarly responsibility to their customers, their stock holders, and the general public.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/XXXX the dismissal was filed with the court. 
Since then, the three credit bureaus ( XXXX, Equi-fax, XXXX XXXX ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.
Consumer complaint received 2018-02-27
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: EQUIFAX, INC. (MA)

On XX/XX/XXXX and XX/XX/XXXX my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of BusinessXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (MA)

This complaint is for XXXX, I was at one of the stores and wanted to use my credit card there to buy something. I was told my credit card was out of date and wouldnt work and that I needed to get a new updated card. I asked several times to clarify that this meant I simply was going to receive a physical new card and not a new account because I already had an account with XXXX and obviously there would be no reason to open another one. I was lied too and deceived and had a credit card opened in my name which I did not want.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC (FL)

I contacted XXXX XXXX  XXXX on XX/XX/17 to make a payment on an old account that was closed out with them. I learned that it was closed due to fraud which I had no recognition of. A XXXX  XXXX XXXX representative in their recovery department advised me that a letter was sent to Early Warning Services to remove the negative notation and that the money I paid was accumulated overdraft fees. I then contact Early warning a couple of weeks later and was advised that the bank only updated the account as paid, but still left the negative remark associated with the account. I sent in papers showing proof that I had no knowledge of what occurred with the account which is why I was advised that all negative remarks would be deleted but this hasnt been done. Ive been waiting to open an account and this is hindering me from doing so. XXXX XXXX XXXX is not complying and so is EWS ; both companies are sending me back and forth between the two of them.
Consumer complaint received 2018-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MI)

Im a co signer for my daughter I co-signed 2 loans.at Discover student loans They transferred the loans to XXXX XXXX. I paid {$6000.00} to Discover on XX/XX/XXXX. No one can find that payment. One lady said she found the {$6000.00} But it was applied to a different co-signer for my daughter. I also paid 3 payments of {$500.00} on XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Now they have found 2 of the {$500.00}. I also had to pay an additional {$4.00}, XXXX. XXXX. When she went to a semester in XXXX. I also filed a formal complaint with XXXX XXXX but Im still have not received the full amount of missing payments