davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but transunion stated that in fact is not the case. Nothing else has changed on my ( transunion ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Transunion NA via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX XXXX.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I went through my chase bank statement today and i noticed there were monthly charges from XXXX XXXX XXXX of {$9.00}. It was an unauthorized purchases that i never ordered from, the only purchase i did was for XXXX XXXX subscription. Charges were made from XXXX to going back XXXX. The bank was only able to disbute it for up to 60 days and XXXX refuses to refund me all those months from the start. Its a total of {$89.00} ; {$9.00} times 9 months. What can i do about it??
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Plus Inc (MA)

I filed the below complaint with Creditplus. " Creditplus has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/16. Inquiries that I did not authorize I do not know what Creditplus is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it. '' The below is their response. I have not authorized Credit Plus or " XXXX XXXX to pull any of my credit information. '' CreditPlus is not taking responsibility for the reporting. I am re-opening this case with both Credit plus and XXXX XXXX and requesting the immediate removal of this fraudulent hard inquiry from my credit report. On XX/XX/2016, " XXXX XXXX '' pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc.
Consumer complaint received 2017-07-11
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: General Motors Financial Company, Inc. (WI)

I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted GM Financial who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow GM Financial to run my credit. Other banks that have run my credit without my authorization include : 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, GM financial, and XXXX XXXX via XXXX XXXX XXXX.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

There was a balance on my credit report of {$680.00} and I settled with XXXX XXXX for {$300.00}. Then, Capital One updated my credit report to only reflect a {$300.00} payment, leaving a balance of {$380.00} and my credit score dropped 90 points. How can do they do this? I did my research and found this is a violation of the Fair Credit Reporting Act. I have spoken to several people at Capital One and they assured me it would be reflected to a XXXX balance and now it is n't. I am trying to get a mortgage and I paid this account to satisfy my debt and now it just hurt me more than paying.
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avadyne Health Holdings, Inc (IA)

H & R Accounts Inc. is a collection agency who has had a collection account on all 3 of my credit bureaus since XX/XX/XXXX and at least on 4 occasions has changed the amounts owed. They have also stated on the credit bureaus that I made one payment of {$26.00} on XX/XX/XXXX. I have never made a payment to H & R Accounts Inc. I was able to obtain from Original Provider ( Clinic ) a list of payments I 've made since XX/XX/XXXX when the debt allegedly commenced. Not only was there not any payment made in the amount of {$26.00} or anything {$26.00} and since I 've been on XXXX there have been no payments for anything sinceXX/XX/XXXX. I disputed this erroneous information with all 3 credit bureaus twice and everytime H & R Accounts Inc. verified as there information as accurate. I sent them a request for validation XX/XX/XXXX which they received XX/XX/XXXX and  confirmed by H & R 's representative XXXX on XX/XX/XXXX via 3 way phone call with XXXX to get method of verification. On that phone call XXXX stated the information was accurate and when I told him I have never made a payment to H & R and I wanted to know the method of payment he said he did n't know how it was paid and started to become irritated. I asked him about the balances and how they changed as it did n't correlate with what I had received from the original provider ( clinic ) and he hung up the phone. There are a few other smaller issues with the collection account but these were the main reasons of my complaint.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was shocked to find inaccurate accounts on my credit report this evening, and Im completely clueless as to how they got there. When I checked it as I normally do, I noticed these discrepancies that seemed to appear out of nowhere. I even refreshed my browser, thinking it could be a glitch, but the errors didnt go away. I need assurance that the documents I've submitted will be thoroughly reviewed, so I can finally stop worrying about this.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

XXXX transferred my loan to Specialized Loan Servicing ( SLS ) in XX/XX/XXXX. A mistake was made in regard to my account by XXXX at that time. The issue is that prior to XXXX passing my loan to SLS in XX/XX/XXXX, XXXX paid {$1400.00} in county taxes out of my escrow account thus sending my loan to SLS with a negative escrow of - {$990.00}. However, my county taxes were not paid, XXXX paid the wrong amount to the wrong account. My county taxes are {$560.00} and were paid by SLS in XX/XX/XXXX ( along with a {$25.00} late penalty ) after I alerted them to the fact that my county taxes were not paid. In the meantime, I have received a notice from SLS saying I owe {$1700.00} in escrow shortage and my mortgage is being raised by {$150.00} a month. The problem is that I do not owe this money. The escrow shortage was caused by a mistake on XXXX part and by a complete lack of due diligence and follow-up from both XXXX and of SLS. <P/>I have sent two letters to SLS, one letter to to XXXX and two certified letters to both LoanCare and SLS. The letters detailed what happened and I proved CLEAR documentation of the issue. I have also made numerous phone calls to both companies. SLS keeps saying there is nothing they can do and " it 's my problem '' and they sent me a letter to that effect. XXXX keeps saying they " are looking into in. '' Additionally, XXXX has advised me on several calls that they will be calling me tomorrow but they do n't call. It is now XX/XX/XXXX and this has been going on since XX/XX/XXXX. SLS has been absolutely no help at all. Had SLS even bothered to check the numbers on my account at the time of transfer, they would have realized that XXXX had made a mistake. And even with proof that a mistake has occured, SLS says they can and will do nothing.
Consumer complaint received 2017-07-11
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. (NY)

A previously removed account from  XXXX   XXXX   ( acc  #  XXXX  ) was removed from my Equifax report on  XXXX   XXXX ,    2017, According to FRCA, I was to be notified within 5 business days that an account  previously removed was to be reinstated. I did not received a notice and that account is back on my Equifax collection report. The collection company and Equifax are in violation of the FRCA, and this account need to be removed.
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

on XXXX/XXXX/2017 i had went back to TD bank and asked them what i can do to receive a refund in the total amount of {$1600.00} and TD Bank Said there is nothing they could since it has been over a year even when went back in XXXX of last year they said the same thing
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield and associates is a debt collection that agency that receives Medical debt out of XXXX, CO. When you call to make a payment they offer to charge your bank account for free or to charge your credit card for {$5.00}. With this being a medical debt it should be made as easy as possible to pay and charging XXXX dollars extra every time is outrageous. It 's gouging consumers who may already be having a hard time.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (MD)

I did n't receive full refund of {$25.00} from XXXX XXXX XXXX XXXX. when closing card account, as the company was going out of business XX/XX/2017. I had phone confirmation with them, that I would be paid in full {$25.00} with no further fees taken out. I received a check in mail for $! XXXX. They took our fees. 
I made numerous calls to them, based now in XXXX XXXX they told me. They said no record of phone call and would pay {$18.00}. I received new card for only {$13.00}. I told them I could have spent/exhausted that final {$25.00} amount in a store but trusted them to return full amount. The company check to me, I have not yet cashed. This happened from XXXX to now. 
I want full refund. Can you help. Thank You. 
Companies on check XXXX XXXX XXXX. XXXX  XXXX XXXX, XXXX XXXX AZ XXXX & Payable THRU XXXX XXXX XXXX XXXX XXXX, XXXX, NE XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc. (NH)

I have 3 bank loans that randomly showed up on my credit report. I have attached my credit reports. These accounts were opened fraudulently using my personal data. I'm highly upset as this has lowered my credit score. All I do is work and pay my bills so this should have never been added to any of my credit accounts. I wish to resolved and remove immediately.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (CA)

I am not liable for this debt with XXXX I do not have a contract with CREDENCE RESOURCE MANAGE. CREDENCE RESOURCE MANAGE is furnishing inaccurate and incorrect information to the consumer reporting agencies. XXXX  : Account # XXXX ( Balance : {$370.00} ). 15 U.S. Code 1681 s2 states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. They have caused me and my family severe harm due to their negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account ( s ) from my Consumer Report.
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I PULLED MY CREDIT REPORT AND NOTICE THINGS ON MY CREDIT REPORT THAT I DID NOT DO. PLEASE HELP ME BUY HAVING THIS REMOVED FROM MY PROFILE. I'M MAKING A POLICE REPORT TODAY TO ADVISE THEM OF THIS ISSUE.
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (MA)

I sent each of the XXXX credit bureaus a letter on XXXX XXXX and Each of them had told me they received the but stated they were doing nothing with the letters. It has now been over 30 days and the inquiries are still on my credit report.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COMMERCIAL SERVICES GROUP, INC. (GA)

I am not liable for this debt and I do not have a contract them. They did not provide me with the original contract as I requested. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged debt, nor therefore any such debt in fact exists.
Consumer complaint received 2020-08-19
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)

My Identity was stolen. i just check my credit and i notice accounts that i did not Authorize. this fraud needs to stop and Companies need to confirm Theses Accounts that is being open using other people information how did this Happen i did not give any consent to these Accounts
Consumer complaint received 2024-08-20
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: Experian Information Solutions Inc. (FL)

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 consumer 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My name is XXXX XXXX I live in Florida back in XXXX 2024 I planned to go to North Carolina to visit my sister. In XXXX I paid for a car rental ahead of time on my XXXX card with XXXXXXXX XXXX XXXX but on the XXXX app. I thought that was it. I arrive in XXXX, North Carolina XX/XX/year>. Arrived at the car rental and they inform me its a {$500.00} hold with a debit card for insurance purposes and safety but I will receive my money back. I talked it down to {$420.00} because I didnt have {$500.00} in my account. I wasnt going to use to car much I just need to get to XXXX XXXX where my sister lives. I return the car XX/XX/year> in good condition. I talked to an employee to see when I can get my money back and she said it takes some time I dont remember much. But the first employee really informed me its just a hold. So I wait. I call XXXX Customer Service and they said the hold would be released by XXXX. My bank is good with returns & refunds so I wasnt stressed. But it turned into a week. A coworker told me to start a fraud cause so I did. i call Fifth Third Bank and told them what happened and they never opened the case. I called again to see about an update to find out the case wasnt opened so I started one then. Sent Fifth Third Bank the receipts of XXXX XXXX XXXX and the conversations with the employees. I received my funds back a month or so later. Then now XX/XX/XXXX they took the funds back out of my account and now Im in overdrafts fees. I dont know what to do and no one is listening
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-13
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. (FL)

I do not recognize this company or have these companies permission to run my credit. Please remove immediately please and thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>