davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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: LEXISNEXIS (FL)

I was at an auto dealer and the dealer was interested in my credit reports. I unlocked my XXXX and XXXX reports ( as requested ). Instead of using these reports which showed my credit score in the XXXX 's, they requested funding from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This bank got a credit report from a company called XXXX XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The score given by XXXX XXXX was XXXX. The reasons given for this ( low ) SCORE were the following ; Limited history for consumer at this phone. I have had this phone number since XXXX. 
Length of residence short. I have lived here witha mortgage since XXXX. 
Too few active accounts, actually more accounts ( all in good standing ) than I have space for here. 
Limited credit history. I'm XXXX y/o. started paying into SS at age XXXX. My question : How can this company ( now associated with XXXX ) Give an important credit score without doing their homework? Basically they are lying to XXXXXXXX XXXX by misrepresenting my credit history. Did they check with XXXX of the XXXX XXXX?
Consumer complaint received 2020-12-15
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. (GA)

I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

My auto loan originated with XXXX XXXX, XXXX XXXX  took over XXXX XXXX  along with my auto loan. My auto loan was reported as closed to all three major credit bureaus when XXXX took over XXXX XXXX, when I called XXXX XXXX  about not reporting my loan to credit bureaus they indicated that it takes time for loan to be updated and reported to all three major credit bureaus. It has been over 9 months since my auto loan was reported as closed to all three major credit bureaus, since then my auto loan has only been updated as opened with XXXX. I have called XXXX XXXX  customer care over 9 months and every month I call I get a different answer. Most times I am told that my auto loan will appear next month with Experian and XXXX, but that has not happen. I would like for my active auto loan with XXXX XXXX to be reported as current along with my payment history to all three major credit bureaus.
Consumer complaint received 2020-12-15
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. (GA)

I was told that I could reach out to you all regarding my credit. I have reached out to the credit bureaus and my accounts regarding things on my credit that is not mine. It even had alot of student loans. When I saw that I knew something wasnt right because I had to drop out of high school because I had a baby. Can you please help me with these accounts that are not mine XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. Thank you and I also have contacted the FTC and the police. I'm also doing this on my own behalf.
Consumer complaint received 2017-07-02
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: HUNTINGTON NATIONAL BANK, THE (FL)

I opened a Loan with Huntington National Bank X/XX/2006 for a used XXXX Paid in full never late and it reports to XXXX and XXXX XXXX  but XXXX removed it along with other positive items from my credit report only to report negative collection items with around XXXX inquiries due to identity theft. According to the FCRA the Huntington National Bank Auto loan needs to be reporting and the collection medical bills along with the inquiries need to be blocked since I filed an Identity Theft report and my file is being improperly handled by XXXX office of consumer affairs.
Consumer complaint received 2023-02-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Lending Services LLC (PA)

My global auto loan was behind and was caught up and my truck got repoded exactly one week later. It was an illegal repo and has been a negative mark on my credit. XXXX XXXX credit card was fully paid with my security deposit and charged off. It needs to be removed off my credit
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (MO)

I closed on my loan XXXX the closer went through the documents, had me sign and was gone. Out of the proceeds my old loan and several debts were to be paid. I kept calling the companies to see if the balances had dropped, nothing. On the XXXX of XXXX after multiple calls I was told there was a glitch in the system and my courtesy checks the payoffs to my creditors never printed and were therefore NEVER sent. I verified had I not called to inquire, I would have been waiting forever, they said true, it was a glitch and they would overnight the checks. The checks arrived on the XXXX I believe, were coming up on a month now that I am paying double interest ( my mortgage and the debts ). Because it took so long one of the bills is paid off so I have a check that is virtually worthless, and the check to payoff my car loan to Missouri XXXX XXXX XXXX XXXX, was made payable to XXXX XXXX, I verified with the Credited Union that they Can not cash such a check!!! After many calls I reach XXXX XXXX at First American Title Insurance Company Mortgage XXXX XXXX, who assured me she would take care of this hopefully by XX/XX/XXXX. It is now XX/XX/XXXX at XXXX XXXX  and I can not reach her nor have I heard from her. I Have a loan that closed almost a month ago with checks totalling XXXX that are worthless to me that I am paying interest on. 

I am at the end of my rope and hoping you can assist. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (VA)

They refused to give me my money back they made me pay it back and I did not do that my account was compromised and the fraudster withdrawal money on me from a bogus account from another member this happened on XX/XX/20 2 transactions {$1.00} and the other one for {$480.00} and I do not know this person
Consumer complaint received 2023-02-04
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)

This is my XXXX XXXX to tell you that I am a XXXX XXXX XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX CO XXXX Balance : {$2900.00} ; XXXX, XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-03-09
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: EQUIFAX, INC. (NJ)

In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer credit plan as late for any purpose.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (PA)

Received email from Synchrony Bank A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER. Unsolicited, called Amazon, who had many complaints, tried calling Synchrony Fraud and New Account and Customer Service. Fraud voicemail said they were closed, others waits 23 and 25 minutes and never reached anyone. Online search found hundreds if not thousands effected with similar emails. Appears not to be fraud, but Synchrony used Mt Lowes Credit Card information to apparently open an Amazon Credit Builder account which was never requested by me. 

What can be done to stop Synchrony from opening accounts without approval and seemingly without Amazon requesting the accounts. Cant get the truth, but it feels like the XXXX XXXX debacle all over again.
Consumer complaint received 2023-05-17
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. (NC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update these items immediately. 
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 2016-08-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Business Factors (CA)

I notice XXXX unknown accounts from this company on my credit. I did contact them first, but its been 3 months and I have not heard back from them and the accounts continue to falsely report on my credit as if they are debts I have incurred. The company never contacted me to verify them. 

XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-04-19
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. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX  Act. # XXXX, XXXX  Act. # XXXX, XXXX XXXX Act. # XXXX, XXXX XXXX XXXX  acct XXXX XXXX, XXXX XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX 15 U.S.C 1681 section 602 A. 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
Consumer complaint received 2020-12-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest sold me a mechanically malfunctioning vehicle back in XXXX XXXX, XXXX. This was 3 days after a major accident I had with an XXXX driver who knocked out XXXX XXXX  in my XXXX  and one in my XXXX  destroying my last vehicle. When I purchased the vehicle, I was sure to buy full coverage insurance, GAP insurance and anything else they sold me as a protective add on stating I did not want to pay major repair cost on a nearly {$20000.00} vehicle. They also ensured me there were no major issues to the vehicle upon purchase. 

Shortly after, I Started experiencing transmission and clutch issues. I had the car serviced twice for the same issue which they claimed they resolved. By the 3rd time, they claimed my milage to resolve the pre-existing issue was just out of warranty to service the car. They claimed the repairs would cost an additional {$4000.00} to fix permanently. This was after only having the car for about 9mths! 

I made the decision in the fall of XXXX to do a voluntary surrender stating they sold me a bad vehicle which is concealing information while engaging in a lawful contract. Transmissions and clutches on automatic cars don't burn out on vehicle within 9 months unless they're already bad. I did research on the XXXX XXXX and found many of them were having those same issues and consumers we're getting stuck with " hidden lemons. '' Bridgecrest not only failed to provide this information upon signing the car loan, they failed to provide the following via mail or certified mail at my primary residence of 10yrs. : -No right to redeem letter according to GA right of redemption laws -No 10 day letter of guarantee prior to car auction/sale -No post-auction sale statement showing the sale balance recovered at auction. 

This loan is illegally on my credit report given the above information hasn't been provided by the consumer law protection codes in the state of GA. The loan balance to date shows the original balance and a massive amount of interest totalling {$22000.00}. 
Original loan amount Bridgecrest needs to provide this information : -Rght to redeem letter according to GA right of redemption laws -10 day letter of guarantee prior to car auction/sale -Post-auction sale statement showing the sale balance recovered at auction. 

The request to remove the loan from my credit report and provide the necessary redemption letter, 10 day letter of guarantee and auction sale information via certified mail.
Consumer complaint received 2023-03-29
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 2020-12-16
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. (MD)

XXXX XX/XX/XXXX, {$340.00}. this is the action taken. I MOVED TO MARYLAND IN XXXX AND HAVE NOT BEEN BACK TO ALABAMA. This just pop up on my credit report. I do know that XXXX XXXX who lives at XXXX XXXX XXXX, XXXX Alabama have done Identity theft in my name using information she broke in my home in XXXX and stole my personal papers. I had to do a police report in XXXX for XXXX XXXX XXXX for cable and TV IDENTITY THEFT. This collection on my credit report just POP UP from space and if not corrected will remand on my report for 7 years due to no fault of my own I have been using XXXX FOR XXXX, XXXX FOR WATER, AND XXXX  GAS every since I moved to Maryland in XXXX and i have been provided service from theses companies without no interruption. I paid and cancelled all services in XXXX and have not been back since.
Consumer complaint received 2017-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

You responded to my prior complaint finally. Now why would I want only  XXXX  card assisted with? Why did I give enough info for  XXXX  account to be reaged but not the other? You bank does n't help and does n't make sense. The same info was provided for both accounts and I HAVE given you all my financial information. Pull the earlier calls then. I 'm going to blast this everywhere on social media. You are saying I have enough to rage  XXXX  account but not another. Unfair and discriminatory. Your bank acts like I 'm trying not to pay my bill at all. That 's not what 's happening.
Consumer complaint received 2023-02-17
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. (NJ)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXXXXXX 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 DP OF EDUC XXXX Balance Owed XXXX {$2400.00} DP OF EDUC XXXX Balance Owed XXXX {$2800.00} DP OF EDUC XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2300.00} DP OF EDUC XXXX* Balance Owed : {$6200.00} DP OF EDUC XXXX Balance Owed : XXXX DP OF EDUC XXXX Balance Owed : {$3900.00} DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed XXXX {$6200.00} US DEPT ED XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$6200.00} 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 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I leased my new XXXX in XX/XX/XXXX through XXXX XXXX after turning in my other XXXX  when the lease was up with XXXX XXXX. My new lease started with XXXX XXXX in XX/XX/XXXX. I now had 2 different account # 's with XXXX XXXX one from my old XXXX and one for the new XXXX. When turning in my old XXXX I didn't realize I still had a {$78.00} balance on that account, therefore, online my account was showing the new account # for my new XXXX and the old account # for the old XXXX I just turned in. Both accounts were listed when I went online to make my first payment for my new XXXX in XX/XX/XXXX. Not paying attention, and this was the XXXX payment with the new account, I accidently selected the old account # with the {$78.00} balance to apply my new payment of {$520.00}. XXXX had reached out to me and I wasn't sure why since I knew I had made my payment and confirmed that the payment was made by looking at my bank statement, and the payment came out on XX/XX/XXXX. I just thought it was a clerical error on XXXX part and that they would figure out the mistake and correctly apply the payment and if not we would just do a true up at the end. I had my bank statement showing the payment was made. I have never been late on a payment and I have never missed a payment with all my years with XXXX XXXX. This is now affecting my credit and I have reached out to XXXX repeatedly starting around XX/XX/XXXX to explain what happened and ask to have the charge off removed. XXXX is stating that the charge off is legitimate. I made an honest mistake in selecting the incorrect account to apply payment, and XXXX even sent me a refund check for the difference of {$440.00} on XX/XX/XXXX. The refund was the difference of my car payment for the new account {$520.00} less the {$78.00} that was still on the old account. I spoke to XXXX again on XX/XX/XXXX asking what the check was for and the person I spoke to said it was a refund for the difference on my old account and to pay back the {$440.00} as good faith and I did that on XX/XX/XXXX. I'm asking for understanding and forgiveness for making an honest mistake. My payment history and credit history show that I always pay my bills and pay them on time. This was just a careless honest mistake of paying the wrong account #, but the payment was made just to the wrong account.