davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (SC)

XX/XX/2020 To Whom It May Concern : I am asking for this account ( XXXX XXXX XXXX ) Acct No : XXXX in the amount of {$460.00} to be removed from my report. When I moved from my home at XXXX XXXX XXXX XXXX XXXX, WV, I left my security deposit in my son and had the services transferred into his name. I have since paid the past due amount of {$460.00} on XX/XX/2020 ; However, I do not feel that because my son defaulted on his payments the said company had the right to come after me for the delinquent charge. 
I ask you please to help me correct this as promptly as possible. I have attached the receipt ( paid in full ) and if you could please contact me via email at or by phone for confirmation. I would greatly appreciate it. 
Thank You for your time and attendance in handling this matter.
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 XXXX  claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .XXXX  is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.XXXX continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.
Consumer complaint received 2020-04-24
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-04-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I sent a dispute letter on the reporting on certain accounts. They are reporting inaccurately and reporting one account that does not belong to me nor they can verify. This has been an ongoing issue for the past couple months and they keep saying its verified without giving me proper documentation and reporting inaccurately. There is XXXX XXXX  auto loan they kept saying verified with no documentation, XXXX XXXXs that I do not own and reporting inaccurate, inquiries that I mentioned that werent authorized at all and they could not provide and proof of documentation. Medical bill thats being report with an unknown source no name to the company.
Consumer complaint received 2020-04-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (NC)

I am XXXX XXXX Military. I have given my wife complete power of attorney over all of my affairs. My auto Loan was sold to a collection agency by the name of Westlake Portfolio Management. My wife made every attempt to do business with this company by submitting the power of attorney and speaking to the companies lawyer via email. They continued to deny her access to manage the account so we went to our local JAG office and had them investigate this matter. After the investigation was complete they found that this company has violated several North Carolina laws to include the Truth in Lending Act Discrepancy, False Rebate, and Unlawful " loan packaging. All that was requested at the time was that a voluntary surrender of the vehicle take place and the vehicle to reflect positively on my credit report. In a verbal conversation with my JAG attorney, Westlake 's attorney XXXX XXXX agreed to the surrender and was in the process of handling this matter. A short time later a repossession truck came like a thief in the night and took the car without any attempt to retain the keys that were in our possession. When our attorney brought this to Mr. XXXX 's attention he sincerely apologized and said he would handle it. My attorney has not heard from him since. We have sent out demand letters to this company and they have gone unanswered. This company has since reported this as a repossession to the credit burros and damaged my credit significantly. I have tried to dispute this with the credit burros and Westlake has now been reporting a deeper delinquency on a monthly basis causing my credit to plummet. I have enough to deal with in the XXXX XXXX then to deal with this level of harassment. My JAG attorney has advised that I seek an off base attorney to sue Westlake for all it has done and continues to do. Westlake will respond to this site with lies as they have done in the past. After investigating this company I have found that they are in over there head with lawsuits for harassments to customers. After my wife has made over fifty attempts to deal with this company with not only my power of attorney but with my written and verbal consent as well, she has asked Westlake to stop harassing her if they refuse to deal with her. They have made well over fifty harassing calls to her calling her XXXX, XXXX, and threatening her with jail, garnishment of her social security checks, and ruining her life and she's not even on the loan! I want this company to be held accountable for there actions. They are bullies and unprofessional!! Enough is Enough!! What a way to treat a service member and there family. Shame on you Westlake Portfolio Management!
Consumer complaint received 2020-04-24
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-04-24
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$0.00}
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: EQUIFAX, INC. (CA)

APPEARING ON MY EQUIFAX CREDIT REPORT, XXXX XXXX, IS being wrongfully reported as the result of a 20 dollar billing dispute with XXXX.My credit history is destroyed by this single item.XXXX in addition, balance chased and charged fees that were illegal.
Consumer complaint received 2020-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

This is not my Debt and I'm falsely accused of debt on my social security credit report. 
XX/XX/2020 ( 1 mo ) {$340.00} and another one for {$310.00} Original Creditor Name XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2024-09-11
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)

Im deeply troubled by the impact my current credit scores are having on my life. The inaccuracies in my credit report are causing my scores to be unjustly low, which is preventing me from accessing the credit I need and causing significant stress. This ongoing issue has made it difficult for me to manage my finances and is affecting my overall well-being. Despite my numerous attempts to address this, Ive seen no resolution. I have attached an FTC report that details these inaccuracies.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

On as many as four separate occasions the payments I made towards my student loans we misapplied to a closed account in my husband 's name. The payments were paid through an online bill system in my name only. The account number was marked on the payments. The bank, the bank account, and the method of payment has not changed in years, so why would random payments be applied towards another account that had been closed for several years? 

I discovered the misapplied payments by accident. I actually opened one of those " payment received '' emails Navient sends after payment has been made. I receive them monthly, but don't open them as the subject line satisfies my need to make sure the payment was received. For some reason, I happened to open the last email they sent out to me. To my surprise, the email was thanking XXXX, my husband, not me ( XXXX ) for payment. This confused me and I began digging. 

I called Navient and their response was ridiculous. Navient acknowledged the misapplied payments. However, Navient claimed the misapplied payments were due to my bank. Navient stated that they refunded the money to me in the form of a check ; no checks have been received. Navient refused to apply the money to the correct account. Navient made it seem as if the misapplied payments were not a big deal because my account has been in forbearance. Yes, but I still make monthly payments to reduce interest. The misapplied payments mean that the interest is higher on my student loans and my taxes are not correct. I made those payments correctly, they applied them incorrectly! 

Dates of misapplied payments : XXXX {$210.00} XXXX {$210.00} XXXX {$310.00} XXXX {$310.00} The issue has not been resolved.
Consumer complaint received 2020-04-26
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. (TN)

I am in the middle of getting a home loan to buy my first house. After getting my three credit reports I see that bankruptcy is on there. I reached out to the bureaus and the bureaus got the information from XXXX XXXX. After speaking with XXXX XXXX my information was combined with someone else. This company continue to say verified as accurate. And thats false
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. (MS)

I have been sending out letters and XXXX affidavits and receiving responses that Automated Verification is showing the account accurate and being told the disputes will no longer take place after asking for evidence of the original signed contract because I made affidavits in opposition because I deny the account below is my debt, I acknowledge I have no contractual agreement with XXXX XXXX XXXX XXXX. XXXX, Transunion, and XXXX are telling me they don't have send me this proof of original contract when I had no contract or debt with XXXX XXXX XXXX XXXX and this account was created without my consent or knowledge and the account is fraudulent. 

I admit that I am victim of identity theft, thus filed an incident report with XXXX Police Department XX/XX/year> case number XXXX, Federal Trade Commission Identity Theft Report, and XXXX ( b ) identity theft report ( enclosed ). 

I admit that this has caused me mental distress because of humiliation and embarrassment and good standing credit accounts closed, and lowered XXXX XXXX which caused future denial of credit, AND emotional, financial ( injury to credit report and attorney fees, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  during these correspondents with XXXX XXXX XXXX XXXX and all three credit reporting agencies. 

I am a victim of identity theft ( SEE ENCLOSED IDENTITY THEFT REPORTS ).
Consumer complaint received 2024-09-11
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. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-04-27
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: Advantage Credit, Inc. (UT)

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. 

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response. 

On XX/XX/XXXX Advantage Credit , Inc. accessed my credit report with a hard pull. I did not authorize this pull. I have never heard of this company. It has negatively impacted my credit score. I have tried to contact the company multiple times but have gotten response.
Consumer complaint received 2020-04-24
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. (NY)

I have made the initiative to review my credit report and upon my investigation I have identified an inaccurate item that has been placed on my report. Please be aware that the account referenced above is a closed account which has been discharged under 11 U.S.C 1328 ( a ) and is still reporting as a derogatory on my credit file. This account needs to be removed from my credit report immediately. Please have my credit reporting with the accurate accounts. Have all the derogatories off my credit file.
Consumer complaint received 2020-04-24
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. (TX)

Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help thank you.
Consumer complaint received 2020-04-24
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (DC)

I monitor my credit reports carefully and a collection from this company called Midwest Recovery Systems is claiming I owe them {$1000.00}. I have never heard of this company and they've reporting this debt to my credit file with the 3 major bureaus, very negatively effecting my credit score.
Consumer complaint received 2020-04-24
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. (TX)

Hi I have been victimized and my information has been used fraudulently without my knowledge. I have recently checked my personal credit report and saw many accounts that I have no business with. I am sure I am a victim of identity theft. I would like to follow the correct steps to get this back in order again because this is just not fair. Now that I actually want to use my credit for something I can't because of these degenerate thieves. I am asking for your professional assistance in getting this rectified with the credit bureaus who have nt been much help thank you.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Back on XX/XX/2019 I submitted a complain against Capital one for a negative hit on my credit due to missed payment in XXXX of 2019. I know for a fact that I logged onto the system and made a payment at www.capitalone.com and that there must have been a system error and my payment was not posted. As you can see I have impeccable payment history with them with my credit card. I also have a auto loan through them with the same excellent payment history. It does not sit well with me knowing that this may have been a system error and that they are not willing to reverse this negative hit on my credit report. I am again appealing the decision asking them to take into consideration my payment history with them and reverse this inquiry.
Consumer complaint received 2020-04-25
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. (WI)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with XXXX  regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX After filing multiple disputes online and getting a response that it was verified, I sent out 609 letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.
Consumer complaint received 2020-04-25
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: Experian Information Solutions Inc. (GA)

ON XX/XX/XXXX AND XX/XX/XXXX I DISPUTED SEVERAL ITEMS WITH EXPERIAN. THEY NEVER INVESTIGED MY DISPUTED
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. (CT)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need help transunion is reporting inaccurate information on my credit report I wrote to them on XX/XX/XXXX and XX/XX/XXXX and they never responded. these items are causing harm to my ability to purchase a home.