davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
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. (KS)

The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual TRANS UNION NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType :  Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX I have tried contacting transunion to resolve this but can not reach anybody.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Sometime in the first week of XX/XX/XXXX, I saw a text in my phone requesting applicants to apply to carryout a survey assignment with XXXX, to which I applied. 
2. On the XX/XX/XXXX, I received a XXXX XXXX  Cashiers check in the mail in the sum of {$4700.00} along with instructions purportedly from XXXX requesting that I purchase XXXX XXXX XXXX XXXX and undertake some survey activities in XXXX XXXX ( letter enclosed ). 
3. I thereafter lodged this check in my bank ( fifth third bank ) and my account was credited in the sum of {$4700.00} seeing that this was seemingly genuine, I thereafter started carrying out the assignment and reporting my progress to the scammers via text. 
XXXX. Again, on the XX/XX/XXXX, I received two other checks also in the sum of {$4700.00} each which were also lodged in my account. 
XXXX. It was latter on the XXXX and XXXX XXXX, XXXX that my bank returned the checks as unpaid/ fraud advise after I have carried out most of the assignment. ( Bank statements attached ) XXXX. PRAYER : Fifth third should be made to return my money in the sum of {$7500.00} as well as {$45.00} charged as return fee for the XXXX checks Totalling {$7600.00} XXXX. After the purchases of the gift cards, I was supposed to make {$1300.00} from the survey. 
XXXX. I am usually careful when it comes to finances, but fifth third bank made me believe all was well. 
XXXX. Counting on your assistance towards this recovery, please.
Consumer complaint received 2020-06-12
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$500.00} XXXX  XXXX {$6400.00} XXXX XXXX {$340.00} XXXX  XXXX {$360.00} XXXX  XXXX {$1000.00} XXXX  XXXX {$3000.00} XXXX XXXX {$400.00} XXXX  XXXX {$12000.00}
Consumer complaint received 2020-06-18
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: Bridgecrest Acceptance Corporation (SC)

We took a car loan out from Bridgcrest Financial in XX/XX/XXXX. The account remains active with approximately one year remaining. Approximately XX/XX/XXXX, without our knowledge or input, Bridgcrest states they deleted the trade line from all credit reporting agencies ; as of today, this loan and our 100 % perfect payment history does not show up anywhere on any credit reporting agency. My first interaction with Bridgcrest regarding this was in XX/XX/XXXX, the time we discovered this had happened. Early XX/XX/XXXX the Customer Relations person from Bridgcrest called me to say they had identified the problem that caused the error and would be retroactively reporting all payments immediately. I recently received a letter from them dated XX/XX/XXXX which stated the exact opposite of the call I received and reiterates the trade line deletion. I engaged with them again several times and again was told it was an error on their part and it would be taken care of. The initial explanation was that because I filed chapter XXXX in XX/XX/XXXX, their policy is to not publicly report. I informed them I did NOT file chapter XXXX with their loan, my chapter XXXX occurred 19 months before I had ANY business with them. This loan was intended to help improve my and my husbands credit rating. They unilaterally removed reporting without our knowledge or input and they have admitted it was an error yet they have not fixed the problem. Because of this, I am about to buy out a lease which will cost me nearly9 % higher interest rate BECAUSE my auto loan with Bridgcrest does not show up on any credit report. Bridgcrest tells me they have sent info to XXXX. I have a case file on this with XXXX and again today they have stated they received nothing from Bridgcrest. XXXX agreed to reach out to Bridgcrest,  obtain the information and fix my credit report if I could provide a letter from Bridgcrest stating the account was active and payments were being made. I have asked Bridgcrest for this letter three times, I've been promised it three times and still I have not received it. I believe this is a breach of the contract I have with them. I need enforcement assistance please. Please let me know what additional information you need to assist with this issue. I appreciate your help. Thank you, XXXX XXXX
Consumer complaint received 2020-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

OnXX/XX/XXXX my mother went to the Bank of America with my sister whom has ill intentions for my XXXX year old mother. Bank of America in XXXX XXXX, CT told her and my sister that I had gained access to her account through a false power of attorney and this complaint builds on my last complaint of harassment at this branch. The fact is that my initial POA was poorly created, because I witnessed it, and did not know I could not be a witness on my own attorney of fact document. Then I went back to another branch ( XXXX, CT. ) after being racially profiled at the XXXX XXXX , CT. branch as a follower of XXXX, and gave them the new POA with the proper witnessed signatures. Not only did BOFA accept the POA, but they gave me a notarized stamp of approval on the actual screen print showing I am currently the POA. Now, this branch has already harassed me, and there was little I could do because the evidence was all he said she said --. But. The Truth is my mother, whom I live with and take care of, now thinks that I stole from her -- because Bank of America in XXXX XXXX said I did. It has damaged my relationship with her immeasurably, even though she consented to the POA in the first place, and this has also caused me emotional injury. I want the name of the person whom told my mother ( even though my POA -- which was already on file as of last month through the XXXX, CT. branch ) that I stole from her --. I am suing for emotional injury and if you think I am bluffing -- know that my XX/XX/XXXXwas created by XXXX XXXX XX/XX/XXXX. And also please know that the XXXX XXXX branch gave my mother a copy of the durable power of attorney that was initially incorrectly signed -- not the one they have on file that was given to the XXXX, CT. branch. Please see attached. I want terminations and I want names. I am suing for emotional injury.
Consumer complaint received 2020-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Kohls/CapitalOne is reporting a XX/XX/2020 late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/2019 I went to XXXX XXXX  XXXX  located at XXXX XXXX XXXX XXXX, DE XXXX to purchase a love seat and sofa in the amount of {$540.00}. I reopened my charge with them that's serviced by Wells Fargo Bank. On that date a XXXX XXXX XXXX king size mattress in the amount of {$770.00} was sold to a customer by salesman XXXX XXXX and charged to my account. As soon as I noticed the amount that was charged to my account erroneously, I called XXXX XXXX  XXXX  to advise that the charge did not belong to me as I did not receive a Mattress. I've have spoken with XXXX XXXX XXXX  and Wells Fargo on numerous occasions stating the {$770.00} does not belong to me and I refuse to pay for items that I didn't receive. I paid the {$540.00} that I was responsible for and now the original {$770.00} has increased to {$1200.00}. This has affected my excellent credit history and caused my credit score to drop below 700 which has resulted in adverse action from my creditors. This has caused emotional distress for me because I pride myself in paying my bills and was never late with Wells Fargo until this happened. I have nowhere else to turn for help with this matter. Apparently, Wells Fargo or XXXX 's XXXX is not willing to help me resolve this matter.
Consumer complaint received 2020-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have no idea if these calls are coming from Capital One [ ( XXXX ) XXXX ] or XXXX XXXX - XXXX XXXX XXXX [ ( XXXX ) XXXX ]. However, I have spoken to both companies and stated that I only speak to companies whose Company 's callerID come through. The phone numbers that come through are described as either Non-Fixed VoIP, VoIP or Unknown. The four telephone numbers that have come through just over the last two days alone have been : Unknown @ XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX on XX/XX/2020 and XXXX and XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX, XXXX, and XXXX on XX/XX/2020 and XXXX and XXXX on XX/XX/2020. Last week on Thursday, I had 6 Unknown calls alone. This is what I call harassment when I had spoken to a representative with both companies and CLEARLY stated that the only way I speak and confirm ANY information is when I see a company name and phone number showing in my callerID. The representatives do not seem to either care or know how their numbers are showing up in people 's callerID since the representatives had demanded me to verify who I was. Also, with all of the calls, none of them appear to leave a voicemail.
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (CA)

On XXXX I checked my credit expecting to see a rise in my score because I have paid off a collection account in full. XXXX XXXX XXXX XXXX {$870.00}. I Paid through XXXX XXXX XXXX. Instead XXXX XXXX XXXX was dropped from my report and my credit has dropped 21 points. It is supposed to rise 25 points when you pay off a collection account in full. I have a Thank-you letter from XXXX XXXX XXXX showing the amount and that it is paid in full. The original creditor, XXXX XXXX XXXX XXXX, is still on my report showing it was charged off. This is just wrong! I am being penalized for paying off a debt. I filed a complaint with both XXXX and Equifax. They sent their results today XX/XX/2020 and stated that the information is correct and the dispute was closed. How is this possible? I would like them to put XXXX back on my report showing it is paid in full and giving me the corresponding rise in my score ... .. 
Thank-you for your time in this ... ..
Consumer complaint received 2020-06-18
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: EQUIFAX, INC. (LA)

my identity was stolen someone has received medical care, insurance, housing, loans, etc, in my name. i recently found these findings when starting to monitor my credit.
Consumer complaint received 2020-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

my identity was stolen someone has received medical care, insurance, housing, loans, etc, in my name. i recently found these findings when starting to monitor my credit.
Consumer complaint received 2020-06-18
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. (AL)

I HAVE A COLLECTION ACCOUNT ON MY CRDIT REPORTS FROM A COMPANY NAMED XXXX XXXX, I AHVE EVER HAD ANY TYPE OF ACCOUNT WITH THSI COMPANY, THIS COMPANY VIOLOATES ALL OF ANY PERSONS HIPAA RIGHTS BY REPORTING TO THE CREDIT BUREAUS.,
Consumer complaint received 2022-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC (OH)

Company is trying to collect a debt owned by XXXX XXXX, who used to own this phone number, but no longer does. XXXX XXXX is no relation to me, and I have no idea who she is.
Consumer complaint received 2020-06-12
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched Letter dated XX/XX/XXXX XXXX XXXX  USAA Accounts 1 ) XXXX 2 ) XXXX We are currently processing and will NOT BE CONDUCTING FURTHER INVESTIGATION. See attatched 1099- C DEBT DISCHARGED 3 )  XXXX CANCELATION OF DEBT XX/XX/XXXX. 
I attatched documents previously Equifax DID NOT ADDRESS A THIRD ( 3 ) Account. I also attatched documentation USAA MASTERCARD STATEMENT 4 ) XXXX XX/XX/XXXX BAL {$100.00}. Equifax did NOT ADDRESS THIS ACCOUNT. I see four ( 4 ) USAA DIFFERENT ACCOUNT NUMBERS???
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I have repeatedly asked Equifax to validate the debt with documentation of my signature that I owed the collection company money. I have been disputing this collection for XXXX years and have not received any documentation from Equifax validating the debt reporting on my credit report.
Consumer complaint received 2020-08-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (OH)

I have contacted One Main Financial at the beginning of XX/XX/XXXX to get a permanent loan modification for account number XXXX. It would lower the interest rate and lower the payments monthly for me. When i first called to apply, I was given a hard time by the first rep i spoke with. The rep asked me " What is my medical condition? That would justify a loan modification. " That is a HIPPA violation i explained to the rep. He proceeded to say, " we have an interest to know what the medical issue is because I have an unsecured loan with One Main. Basically saying they have a right to know. I asked for a supervisor. I was then in contact with XXXX XXXX throughout most of the duration. She took my application over the phone and noted the account accordingly. I then waited a few days. I spoke to a rep in customer service who advised I would need to fax in proof of medical expenses from a bank account with 2 months worth of statements. I explained I either pay in cash at the doctors or with a credit card. Otherwise, my bank account would be in the negative. I would have a deficit of income if i didnt pay with credit card. On XX/XX/XXXX my modification was denied due to not meeting the guidelines as there is no reduction in income. I have {$13000.00} in medical bills, 12 payment plans with various doctors. There may not be a reduction to my income yet, but there will be within the next month. I am on FMLA and I am required to use all my paid time off first, once that is exceeded then the time off is unpaid. I have various doctors appointments almost every other week. With that said, my hours will be reduced without pay. Im trying to be proactive and get a jump start ahead on this matter before it damages my credit rating. on XX/XX/XXXX I was able to get One Main to let me make a deferment payment to get me current for now. I will be past due again after XX/XX/XXXX and unable to make the payment in full. One Main does not care about my financial situation and does not care if i can make anymore payments. They proved that by denying the loan modification. Eventually, this loan will be closed, and charged off and sent to collections due to them not helping me during this time of pandemic with my health issues and covid-19. The account number is XXXX.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (HI)

XXXX, XXXX and Experian have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

XXXX, Equifax and XXXX have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.
Consumer complaint received 2022-10-31
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc (PA)

I received my first written statement by mail about a college tuition debt that I owe to Williams and Fudge,  the statement was dated XX/XX/20. On XX/XX/20 a representative from Williams and Fudge called my wife 's phone and left a voice mail stating that they were calling about the debt. My wife 's voice mail message clearly says that it is her voice mail, but they left a message on it abut my debt. I have the message saved.
Consumer complaint received 2020-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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. 
Company 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, XXXX XXXX, XXXX.
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P. (FL)

This debt has been disputed from my report more than 3 times. It has now been purchased by LVNV Funding in which I DID NOT get any statement or documents to contact this agency before placing it on my credit report yet AGAIN. Thus is causing me so much stress and XXXX and must be resolved.