davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX I Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX BANK Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX AUTO Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2024-04-12
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. (GA)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts 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 2024-01-05
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. (NC)

Upon checking on my credit report, I spotted some inaccurate and fraudulent inquiries that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. I sent my dispute letters to the Bureaus and still not getting any results
Consumer complaint received 2024-04-15
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)

RECENTLY I LOOKED INTO MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY XXXX ACCOUNT, SUCH AS LATE PAYMENTS THAT I WAS NEVER LATE FOR.

THE CREDIT REPORTING AGENCY HAS A RESPONSIBILITY TO REPORT THE INFORMATION ACCURATELY HOWEVER AS CAN BE SEEN IN THE SCREENSHOTS BELOW, THE BASICALLY ALL INFORMATION WAS REPORTED DIFFERENTLY TO ALL 3 CREDIT BUREAUS. I AM REQUESTING THE CREDIT BURUE TO REPORT THE PAYMENTS AS ON TIME OR REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2023-12-27
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC. (PA)

All the accounts listed per the FCRA as a federally protected customer, I am opting out of any and all authorization I the consumer may have giving you written, verbal, or non- verbal. Per USC 6802 Effective Immediately. 
Listed Companies : Caine & Weiner, Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Climb Credit Inc. (NV)

On XX/XX/XXXX I reached out to Climb to cancel my loan application a day before class started on the day of their deadline. If they were to have processed my request, the loan amount would have been independent of the school. They simply stated that my email " came from an unknown address ''. They told me to reach out to the school, and I did. Then, the school told me to reach back out to them. This went on for multiple weeks. 

The latest communication I received was an apology from a manager at Climb who said she understood the situation and would reach out to the school for the issuance of a full refund. That is the first email in the chain I will attach below. I reached out several times after, but I was unable to hear back. 

Both parties assured me that the loan would not fund until XXXX XXXX. I submitted my request well in advance on XXXX XXXX, for the XXXX time to cancel my loan. I was not worried about them taking so much time, because I did not think it would come down to all of this. 

Climb verified that my loan cancellation was not submitted to them by my school until XX/XX/XXXX. This was over an ENTIRE 2 weeks after I submitted for the XXXX time, and an ENTIRE week after the loan was funded! 

After the deadline from my original email passed, Climb has been saying that I need to contact the school for a full refund, but the school has said to talk to Climb. 

Additionally, the fees and terms on the website of the XXXX XXXX XXXX XXXX say that they will '' refund all amounts received from the enrollee less a {$400.00} processing charge and less the cost of training materials shipped ( {$850.00} ) totaling {$1200.00}. '' They never received any funds from me, let my loan fund, and then are now trying to charge me for it. 

The amount that reported to my credit report said I paid XXXX of a XXXX loan!!! I disputed with XXXX and they simply changed the loan amount. 

I never received ANY goods or services, nor " Shipping Materials '', and the amount they are charging me is over $ XXXX well beyond the scope of their hidden : '' conditions ''. I just graduated and was trying to extend my education and legitimately can not pay for this. 

I am genuinely worried this will go to collections and drop my credit score from XXXX to below XXXX. 

I know the Bureau 's mission is to make sure consumers are " treated fairly ''. This has gone beyond unethical business practices and is extremely unfair. I do not know where else to go. Please help me...
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC (FL)

On XX/XX/2023, ( Payment is for my XXXX mortgage payment ) I purchased a Cashier 's Check from my Bank to pay for my mortgage. I went to the Post office and certified the mail to them On XX/XX/2023. I received proof of delivery on XX/XX/2023. The United Wholesale Mortgage stamped the Cashier ' check that they received on XX/XX/2023 ( The attached check and proof of certified mail are included on this claim ) On XX/XX/2023, I received a check from United Wholesale Mortgage for {$2300.00} which was the Cashier Check that I had mailed to them two weeks prior in a different envelope reach out to them by phone they advised me that my escrow account is short they have to make up for the shortage of fun I will need to send both payments together I advised the agent to note in their systems that payment had mailed to them but they return it because of additional fun needed to make up for short escrow account. After speaking with the agent I mailed both checks back to them as agreed on XX/XX/XXXX, XXXX A few weeks later they reported. My payment was never late, and UWM decided to return the original payment that was paid on time. This is not my problem if they decide to return the original payment due to escrow being short of fun. I should not be considered late.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I been disputing this debt collection I keep getting I contact the company XXXX XXXX XXXX to let them know I did not open any credit card with them. Unfortunately they werent able to tell me anything from the account due to that they transfer the account to a collection agency so they said to contact the collection agency and they still didnt help me after I told them I never open any account with XXXX XXXX XXXX.
Consumer complaint received 2023-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (OK)

I went to XXXX XXXX in XXXX, MO to see about purchasing a used car in XX/XX/XXXX. I was only able to qualify for a very high interest rate due to my XXXX XXXX. I paid a down payment of {$1000.00}, got a XXXX XXXX XXXX. I was told I would get payment information from Santander XXXX, as well as the title. I got XXXX letter from Santander XXXX with my payment information, due date but I had no account number assigned at that time. I didnt hear anything from the dealer until XX/XX/XXXX or so when the finance XXXX from XXXX XXXX XXXX told me they did not have a title available for the vehicle, I had to bring the car back, I was told because its illegal to sell a car that has no clear title. I was still concerned about the interest rate ( 27 % ) I was told they could make a better deal on a different car. I was out of town until XX/XX/XXXX and brought the vehicle back to the dealer as instructed. The finance guy had me in his office, the car title had been located and he wasnt going to redo the deal for a lower interest rate. I signed the title and went on my way with the car. The title came to my home by courier the next day. I called Santander Consumer that day on the information contained in the XXXX letter I got, and none of the information I had would allow me to set up an account or pay. I finally spoke to a live agent who informed me that I had sold the vehicle back to the dealer, had no balance, no pending payments, no way to set up future payments without a current balance. I asked the agent how to handle payments he told me I would get another notification in the mail when there was a balance. I never received any correspondence from Santander. In the months from XXXX to about XXXX I wasnt able to get through the Santander phone system to set up an account based on the only letter I got from them. In about XXXX, I finally got ahold of someone, my loan had already been charged off, ready to repossess the vehicle. I spoke with XXXX XXXX XXXX Santander several times over the next months made some payments but unable to cure the default, so far. Again I had no communication via phone, email, letter about my account until the offer to cure the default about {$6000.00} in XX/XX/XXXX. They are ready to repossess the vehicle, XXXX trying desperately to come up with the money to avoid a car repossession, due to the reporting to the credit bureau since about the charge off my XXXX XXXX has dropped by over XXXX points, I have few options. I felt like I was not treated fairly by Santander XXXX or XXXX XXXX. XXXX trapped in an impossible situation.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chrysalis Holdings LLC (WA)

On XX/XX/XXXX the company called New Day USA told me they had a special consolidation offer that they only provided to veterans, which I am. They would consolidate all my bills including the mortgage and I would pay XXXX monthly payment. I asked them if I could leave out the mortgage and consolidate the other debts and he said the bank would not approve the loan without the mortgage. 

I am XXXX XXXX XXXX and have had a series of strokes. 

I signed the contract and the closing date is XX/XX/XXXX. 

I started looking for new homes because my doctors have recommended that I move from my XXXX story condo, because I have on the stairs twice. But on my pension and social security, I can not find a condo I can afford, so I am going to have to sell my condo and then rent an apartment. But with that contract I signed I can not do that. So I looked them up and found they can not do any business in New York XXXX. They so found other lawsuits. They are trying to close this and payoff my mortgage quickly so that I am stuck. They will not return my messages. If they pay off and take over my mortgage, I can not get out of it and XXXX be living in a home that is unsafe for me that my doctors want me to leave. The VA can not help. My bank can not help and even lawyers who not help. XXXX stuck
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (WA)

I have just been notified that I am being sued by this s collection agency, when I have spoken with them over the phone twice. I spoke to two different men, both of whom I notified of the identity theft that I filed with the FTC and that I had cancelled all of my credit cards upon learning of the theft and was disputing the debts. I am a XXXXXXXX XXXX who is in the process of a lengthy divorce and living solely on the VA payment I receive each month. This has prevented me and my children from moving and has prevented me from being able to accomplish much else in the way of financial services and legal services in regards to the debts. At the time of the identity theft I was current and had a positive balance on all of the credit cards in my name, but when my identity was stolen, they pushed transactions through over the limit, raised and overmaxxed my limits, and then a few of the credit card companies did not cancel the cards when notified of the theft and asked to do so. They just kept them open, furthering the damage to my credit. I would XXXX  like to note that these debts are double reported on my credit, furthering harm to me and my children. I receive less than {$2000.00} a month, no other financial support and am now being sued for a debt that on two occasions I notified this collection agency weren't mine. I believe that they even bought out the debts for other credit cards from the same identity theft and fully intend to file suit for those as well.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CO)

So I had a credit card years ago, but I was behind on paying this debt. So this debt was passed on to a debt collection company, called Midland Credit Management. I've spoken to them over the phone for 2 years now or more. 

They were were fully aware that I wasn't working at the time and still harassed me by repeatedly calling me. They still call me at odd times throughout the day. I don't mind working out some kind of payment plan with MCM, but not if they keep calling me constantly without my consent.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

XXXX lists XXXX XXXX as the source of verifying a Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report. I requested verification of this public record and XXXX claims that they verified it through XXXX XXXX. There is supposed to be a Security Freeze on my XXXX XXXX consumer file since XX/XX/2016. XXXX failed to accurately honor my request of verification of this public record by informing me that they verified through a FROZEN consumer credit report. I am attaching the results displayed of the so-called investigation of XXXX 's findings and a copy of my XXXX consumer file that shows the date of a security freeze that I placed on my file in XXXX of XXXX  to avoid further fraudulent activity in my name. My XXXX XXXX consumer report is supposed to be FROZEN until I lift the freeze. I HAVE NOT LIFTED THE SECURITY FREEZE. XXXX XXXX is listed as the source of verification which leads me to believe that XXXX is not being factual about investigating this item on my credit report if they claim that they retrieved the results from a consumer account that clearly has a SECURITY FREEZE IN PLACE. I DEMAND Immediate deletion of the Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report.
Consumer complaint received 2023-05-06
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: Experian Information Solutions Inc. (TX)

I have no knowledge nor did I authorize/consent to the following inquiries 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 2018-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (MI)

I am a victim of identity theft. I have been trying to contact Conns for a very long time now. Their representatives were being very rude and threatening and refused to help me. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not at the address in Louisiana where the account was opened. They denied me the opportunity and kept giving me the runaround. I don't understand why Conns is refusing to acknowledge my Identity theft problem and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
Consumer complaint received 2018-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCC Business Services, Inc. (MI)

I am a victim of identity theft. I have been trying to contact NCC Services for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not an address in Louisiana. They denied me the opportunity and kept giving me the runaround. I don't understand why NCC Services is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/ and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (PA)

I went to Ashley Store in XXXX, PA. Was about to buy a sectional and salesman, XXXX XXXX XXXX said we could do 36 month financing, I asked if it would effect our credit because we are in the process of getting a mortgage for our new house, he said no. i filled out a couple lines of info on their computer to start the purchase process and financing, taps continue on the screen, then it says congratulations, you have a new Ashley 's credit card. We had no idea were were getting a new card we didn't want, this will effect her score, the saleman lied to us. The manager XXXX XXXX came over and said it couldn't be cancelled. The salesman disappeared and the manager just stood there saying it couldn't be cancelled. No apology. This has hurt our credit score, and now has cause issues with completing the mortgage. I asked the manager again what could be done to help, he wouldn't provide any type of curiosity adjustments or additional discounts after what had happened only extending the XXXX XXXX  discount. Spoke with XXXX XXXX XXXX on phone she forwarded my complaint to Pennsylvania corporate office XX/XX/XXXX, nvr heard a response since. 

We do not want to cancel now it would only make things worse