davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (IN)

{$710.00} opened XXXX/XXXX/2019. supposedly owed to original creditor XXXX XXXX XXXX. Now debt is sold to Contract Callers INC. I have contacted XXXX  on XX/XX/2019 to validate debt that I have no knowledge of, which I still have not received valid proof of anything with my signature of proof that this debt is mines.
Consumer complaint received 2019-12-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC (UT)

Wilshire Consumer Credit is the worst company that I have ever had to deal with. I had a loan with them, and was paying {$14.00} extra per month just to pay off the loan faster. In XXXX I ran into some health issues and was {$16.00} short on my payment. WCC started calling me XXXX times a day, including Sunday. I spoke with them and informed them of the situation and that I would be paying off the loan. I got the information on the pay off and a check was sent out XX/XX/XXXX. They received and cashed the check on XX/XX/XXXX then on XX/XX/XXXX they repossessed my vehicle. Every customer service rep I spoke with was extremely rude and several hung up on me. They refused to give me any information on where my car was even just so that I could get my work badge and kids Christmas presents. Even though they repoed the car illegality, they refused to return my vehicle or my money. After fighting with them for days, missing work and my son missing school, I was left with no other option than to pay the repo. I sent them the payment of {$430.00} in the form they required and after they confirmed that they have received it, they said they didnt have any info in my vehicle and to call back Monday. I work weekends and this is the last weekend before XXXX!!!! They are crooks and have no sense of company/consumer relations.
Consumer complaint received 2024-08-27
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. (MA)

XXXX. XXXX, 2024, {$1100.00} And XXXX XXXX, XXXX Equifax According to 15 U.S.C 1692C ; you have violated my right by in lawful communications. Please remove this collection off of my credit report
Consumer complaint received 2019-12-26
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. (FL)

THE ACCOUNTS AND INQUIRIES THAT ARE DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I MADE. I DID NOT AUTHORIZED THOSE TRANSACTIONS TO BE REPORTED ON MY CREDIT, THESE ACCOUNTS WERE INACCURATELY PLACED. I ASKED THAT YOU CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS AND INQUIRIES PURGED OFF MY CREDIT FILE.
Consumer complaint received 2022-08-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.
Consumer complaint received 2020-03-18
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. (PA)

For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me.
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2020-03-18
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 SOME INACCURATE ACCOUNTS ON MY CREDIT THAT I HAVE NO KNOWLEDGE OF. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. AS A INNOCENT VICTIM OF IDENTITY THEFT, I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (WA)

When the Public Service Loan Forgiveness program was announced, I contacted my loan servicer at the time ( Nelnet ) and asked to make sure my student loans were under the correct loan type and repayment plan to be eligible for the PSLF program. I was working at a 501 ( c ) ( 3 ) NGO at the time. I was told that my loan type and repayment plan were eligible for the PSLF plan and did n't need to do anything at the time to apply for the program. I just needed to submit the correct forms when I was getting close to my 120 payments to be eligible for the program. Around XXXX I was told by Nelnet that I currently did not meet the qualifications for the PSLF and needed to consolidate my loans to a different servicer under the PLUS program to continue eligibility. I ended up getting a consolidated loan through XXXX and then was transferred to XXXX. I told them specifically that I wanted to be eligible under the PSLF program as I am employed by the XXXX and was put on a graduated repayment plan and told that it qualified for the program. In late XXXX I sent in paperwork for the PSLF for the 501 ( c ) ( 3 ) organization I worked for, and then one for the XXXX I have been working for for the past 7 years. After submitting, I got a notification that I was being again transferred to a different loan servicer. Today I got an email stating that I needed to select a different repayment plan because the current plan I was paying under ( and was told previously that it did qualify ) did not qualify for the PSLF program. I called the new loan servicer ( XXXX - XXXX ) to inquire what has happening with the loan. I was told that NONE of my payments since XX/XX/XXXX qualified for the PSLF program. I found out I was given incredibly incorrect information by both Nelnet and XXXX in repaying my student loans. After paying these loans for the past 9+ years, on time each month, under what I was told to be a correct repayment plan and loan type, my student loans totals have increased because of interest. I feel that because I was told this information by an approved servicer that these years worth of payments should be applied to the PSLF program.
Consumer complaint received 2020-03-18
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. (FL)

I CHECK MY CREDIT REPORT I NOTICE THERE WHERE SEVERAL ACCOUNTS ON MY CREDIT PROFILE THAT DID NOT BELONG TO ME SOMEONE HAS BEEN USING MY IDENTITY AND OPEN UP SEVERAL FRAUDLENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LoanCare, LLC (CA)

This complaint is related to two complaints previously filed. 
1. LoanCare failed to credit my account for the payment I made All payments from XX/XX/XXXX to XX/XX/XXXX, were made on time and were received by LoanCare ( See attached proof of payment # XXXX ). LoanCare failed to credit me for my account # XXXX, my payments for the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX claiming that these payments were not the correct amount and incorrectly applied these monies to my other account # XXXX ( See attached LoanCare Response dated XXXX ) This happened while LoanCare had no problem applying payments for the month of XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX to my account # XXXX This totally unacceptable. LoanCare added what they claimed missing here to my payoff statement and made me pay extra. The actual loan balance is {$150000.00} according to LoanCare record ( See attached XX/XX/XXXX Statement and XX/XX/XXXX Statement ). Loancare made me pay {$150000.00} ( See attached pay off statement, dated XX/XX/XXXX ). LoanCare must reimburse me the difference IMMEDIATELY. 

In LoanCare 's Annual Statement ( see attached ), the beginning loan Balance was {$150000.00}. I have paid {$5200.00}, and the balance is {$150000.00} Why do I have to pay {$150000.00} when the balance is {$150000.00} For convenience, I have provided with this complaint, proofs of payment for both of my accounts # XXXX and # XXXX. With all proofs on hands, it is LoanCare 's responsibility to get my records straight. No more ill-intent, naive pretense is accepted. 

LoanCare did this very same thing to me on this # XXXX Loan when I previously sold my property on Loan # XXXX. 

On account # XXXX, I demand LoanCare to refund the amount falsely charged immediately. 

On account # XXXX, LoanCare still owes me the late fees that were falsely charged. I demand LoanCare to refund this amount immediately. 

I demand LoanCare to get their record straight and re-notify the Credit bureau. What LoanCare listed on their response letter dated XX/XX/XXXX, was not completed.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Months ago I discovered that I have been a victim of XXXX XXXX again. I currently have and had in past fraud alerts on my credit but yet it is still being compromised. I have created police report, ftc report, affadavit letters along with all supporting documents. I sent documents to credit bureaus and issuers of the credit accounts that were fraudulently opened on my behalf. I reach out to here as the companies and credit bureaus do not want to abide by the fair credit act and remove these fraudulent items from my credit report as it is hindering my life.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I CHECK MY CREDIT REPORT I NOTICE THERE WHERE SEVERAL ACCOUNTS ON MY CREDIT PROFILE THAT DID NOT BELONG TO ME SOMEONE HAS BEEN USING MY IDENTITY AND OPEN UP SEVERAL FRAUDLENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-07
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. (NY)

I moved from XXXX XXXX XXXX XXXX. XXXX XXXX, NY to a new address. Mail came to that old address and it was stolen by the new residents. I forwarded the mail at the US Post Office but some important mail slipped through. I found out that the new residents had used my name to apply for various types of accounts. The following inquiries on my credit were not authorized by me! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank 's policies are putting customers at increased risk of Coronavirus. Further, they are giving conflicting information on credit card application statuses. Both are unacceptable. TD Bank requested additional information on my credit card application for their Cash+ card. I called in and they said that I needed to appear in-person in the branch with ID within 45 days and my card would be approved ( I would encourage you to listen to the call I believe it is on XX/XX/XXXX ). That was fine. I found it concerning when after that call I received a letter telling me that my application was fully declined due to an inability to verify my application ( even though I'm an existing customer ). When I called, I was again told that I needed to go into the branch but was told that my application STILL MAY NOT BE APPROVED, AS OPPOSED TO THE FIRST AGENT THAT TOLD ME IT WOULD BE APPROVED. At a time when we are social distancing for Coronavirus, if my application will be declined anyway, TD Bank should not be making me go into their bank. Further, they should not be giving me conflicting information. To make matters worse, the supervisor I spoke with on XX/XX/XXXX insinuated that I was lying about being told the card would be approved saying the other agent never told me that. This is defamatory and incorrect, I would again encourage you to listen to the last call. " America 's Most Convenient Bank '' seems to have long hours but no respect.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

We are supposed to have the right to freeze our credit. I created an online account with Experian to do that. The problem is that there does not seem to be a way to freeze my credit when logged into my online account as they advertise. When I login, they attempt to sell me a bunch of services that I don't want or need while simultaneously making it impossible for me to find the credit freeze function. They prominently show a fee-based service called credit lock. Which is easily confused with credit freeze. When clicking on it, it provides a button to " Upgrade to Lock your File ''. This requires payment and is deceptive as the meaning of " lock '' and " freeze '' are similar. 
They do provide a phone number, and I will admit that freezing my credit using the phone number was remarkably easy.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This company is reporting fraudulent inaccurate information on my credit repor have requested that they provide the purchase agreement to show full ownership of such account and also other document so I May review to see if this is actually an account that belongs to me thanks.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I call TransUnion 4-5 time and chatted with them online because there system improperly dropped my credit score XXXX in one day. I explained to them my situation and even asked to speak to a supervisor and they hung up the call because they dont want to fixed the situation. 
I have paid all my debt on time and theres nothing that states that I am late Im the past year or in collections. The customer service department has given me the run around why they believe this happened to me but when I explained to them that theirs no legitimate reason why my credits scores has dropped XXXX in one day, they hung up on me. Its very frightening and frustrating how a company has so much power and influenced in your credit that when they make a mistake they dont want to fixed it. This affects my entire life because unfortunately we are judge by our credit score more often than anything else. 

Unfortunately this has happened to me before and TransUnion has been able to help me in the past but this time is a huge loss on my credit. The only credit company thats has dropped my score this month has been TransUnion. Their customer service is horrible.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Today Tuesday XX/XX/XXXX I reached out to Transunion special handling department supervisor XXXX XXXX XXXX and I asked why wasnt these fraudulent accounts removed or blocked and he explained to me that he see I disputed these items in the past and no consumers responded to them and that he has to wait 30days for them to respond or the accounts will be removed or blocked I then explained to him that the last dispute wasv5 months ago and they still hasnt responded then he changed his original response to the consumer verified these accounts via by letter so I demanded that the letter be sent out to me for proof of verification that these accounts belong to me and his response was he can not do that. After going back and forth about the letter and he realized that I caught him in his lies he then changed his response again by stating that they ( Transunion ) has determined that these items belong to me by matching the name, address, DOB and social. I asked XXXX XXXX did he understand that Im a victim of identity theft and there is no way that Transunion can verify these accounts based off my identity.. I asked him to send me that in writing and he refused so I explained to him that he was being very unprofessional and I felt like Transunion was being Biased towards me and that they are violating my constitutional rights. XXXX XXXX then ended the call