davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-22
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. (TN)

XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Hi my name is XXXX XXXX XXXX XXXX. I am filing this complaint for my self and it is NOT a duplicate complaint. 

Experian has been inaccurately reporting an account with XXXX XXXX XXXX XXXX. Transactions and Experiences should not be reported without my written consent. Furthermore Experian failed to correct the inaccurate information or delete the account per a previous dispute. 

The XXXX XXXX XXXX XXXX account is reporting a charge off in XXXX of 2018 and a repossession in XXXX of 2018. This reporting is inaccurate. There were payments made in between XXXX and XXXX that have not been reflected on my consumer report. Instead adverse information was placed on my report which has caused me damage.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX : I obtained a used car loan with XXXX XXXX. I can pre-pay the loan without penalty. I previously made additional payments, over and above the monthly loan payment, and XXXX refused to apply these amounts to the loan principle. Instead they simply reduced the amount due on the next monthly payment. This is intnetional fraud which I request an investigation by the appropriate attorney general. Ally refeuses to update the loan balance in a timely fashion and currently all credit bureaus and XXXX XXXX are misreporting the loan balance. Ally continues to report ( 2 ) late payments that were never late and on information and/or belief are fabricating confirmations of such tardiness, fraudulently.
Consumer complaint received 2021-12-15
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. (MD)

Hey for reasons unknown you all are saying my grievance isn't me. Here I am again battling to get my objection heard because of my freedoms being broken. It's been over 30 days since I haven't heard a single thing from the credit agencies. I have unapproved credit accounts on my credit report that are false
Consumer complaint received 2022-02-01
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is in regards to Capital One. I had a payment due XX/XX/2022, I scheduled payment for XX/XX/2022. Payment was received by Capital One on XX/XX/2022 in the amount of {$60.00}. I was charged a late fee of {$40.00}. I called capital one and they would not credit back late fee. I made my payment on-time and have statements for proof of on-time payment. I would like for Capital One to be investigated for improper business practices and my account to be credited back the amount they charged.
Consumer complaint received 2019-12-22
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. (FL)

On XX/XX/2019 I submitted a letter as formal complaint that Transuion is reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX Collection Amount : {$1300.00} Original creditor name : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (LA)

XXXX XXXX Agreed And Approved 24 Month Finance Recended By XXXX XXXX XXXX Citibank Charged For Non Delivered Items Investigation May Take Up To Six Months Home Depot Credit Card By CitiBank Cancelled Without My Permission Or Request Called Citibank Before Cancellation Multiple Times, They Claim I Dont Have An Account
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmerAssist A/R Solutions, Inc. (TX)

I have an unauthorized charge with Amerassist AR Solutions with a balance of {$1500.00}. I have asked this company several times for a debt validation and haven't received any response from them. I sent letters and also emails to validate this debt now I have come to the result of demanding it removed since I have given this company plenty of time. 

The certified mail was received on XX/XX/XXXX by Amerassist AR Solutions and I still haven't heard from them and they are still reporting to my credit report. I need this removed from my credit reports ( XXXX and XXXX ) immediately. I have also faxed over the the validated debt letter to them. 

AMERASSIST AR SOLUTIONS Last reported XX/XX/XXXX {$1500.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I've always made certain that payments on this account are made promptly, avoiding any instances of lateness. I'm uncertain as to why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-02-01
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. (NY)

To whom it may concern I have 2 collections on my account from the same company. I do not owe this company any money never signed anything with them or anyone there represent. The company name is XXXX XXXX XXXX  they claim I owe them {$370.00} & {$400.00} to them. I do not owe them any money. I have no idea who they are or what there talking about. This is fraud/identity theft as I have no knowledge of this and never authorized or signed anything for these amounts.
Consumer complaint received 2022-02-01
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. (FL)

to account type. 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 2019-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION (VA)

BB & T was offering a promotion for new customer ( I am a new customer ) for a {$300.00} bonus if an account was opened using a code and by midnight XX/XX/2019. I opened the account with the code before midnight. On XX/XX/2019 my opening deposit of {$50.00} dollars was credited to new account. The terms said 2 ACH deposits of {$100.00} dollars needed to be completed with 75 days of account opening or another action. I had multiple ACH deposits of {$100.00} within the 75 days. one on XX/XX/XXXX and one XX/XX/XXXX and thus completed all the terms of the bonus. 
1 ) New customer 2 ) Opening a bright checking account by XX/XX/2019 with code 3 ) Two ACH deposits of at least XXXX with $ 75 days. 

After several weeks I began calling BB & T, I got many lines. It takes 3 months, it takes 90 days for account review plus 4 weeks. Then I started emailing them about where was my bonus. First it was 90 days plus 4 weeks, when that passed it was only for people who got it by mail, and I could not remember if I got it by mail, with my high credit score I get lots of offers, then it was you opened it on XX/XX/XXXX and it was too late. I sent the email screen shot of NEW ACCOUNT OPENING, dated XX/XX/XXXX. Banker told me this now needed a corporate review. 

They are lying to me over and over and have no intention of honoring the bonus after I played by their rules.
Consumer complaint received 2019-09-18
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. (MO)

Equifax Collection Account Numbers : XXXX {$100.00} XXXX - {$85.00} XXXX - {$57.00} XXXX - {$60.00} I have written Equifax asking for validation or deletion of these accounts and have received no response in over thirty days. 

The accounts named above are shown on my Equifax credit report as collections.

On my credit report the entries have ZERO contact information and don't even show who the creditor is I want them to tell me the name of the creditor responsible and provide validation of the debts, so that I may investigate. I believe they are from a collection agency that I disputed successfully in the past, and they have surreptitiously re-inserted the information, leaving out relevant identifiers. 

As I stated, I wrote them to dispute the information but as I stated I have gotten no response in OVER thirty days, which is a clear violation of the FCRA.
Consumer complaint received 2019-12-22
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 my credit report with XXXX, XXXX and Equifax it states that USBK COURT XXXX WISCONSIN bankruptcy court is the one reporting a bankruptcy to them, in which the Bankruptcy court does not report anything to the credit agencies. I was also notified by XXXX that it was verified as accurate.I also sent them a certified letters asking the big 3 to send me something verifying with the courts that the bankruptcy is accurate as XXXX states thats the reporting individuals.I also have a credit freeze with multiple agencies.
Consumer complaint received 2020-03-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Complete Credit Solutions, Inc. (CA)

On XX/XX/2020 I received notice that a collection account had been added to my XXXX  report from Complete Credit Solutions Inc. At this point I had not been provided anything in writing explaining this alleged debt. I sent them a validation letter which I mailed certified on XX/XX/2020. On XX/XX/2020 I received a letter NOT from Complete Credit Solution 's Inc but some company named XXXX XXXX XXXX XXXX claiming that Complete Credit Solutions Inc was their client, and that I had an outstanding balance of XXXX which was assigned to their office on XX/XX/2020. Upon research I found that they are also a debt collection agency who is working under guise of a law office for Complete Credit Solutions Inc to trick consumers into paying invalidated debts. I also sent the alleged law office a letter asking them to validate the alleged debt on XX/XX/2020, and have yet to hear back. 

On XX/XX/XXXX, I received a phone call from Complete Credit Solutions Inc during which I asked the representative XXXX if they had gotten the letter she advised that they had received it. She advised that they would be sending a response soon I ended advising that I would wait for the letter before discussing anything further with them. However a few hours later I received yet another alert from XXXX  advising that Complete Credit Solutions Inc had hard pulled my credit report for an installment loan. I did not authorize them to pull my report and further they are a collection agency not a creditor who provides loans. I presume they pulled my report due to them trying to obtain information to validate the alleged debt. 

Additionally, the alleged debt upon research is for a company called XXXX XXXX who is no longer in business and have not been for at least 4 years. I have also reached out to them and they have no evidence that I owe debt.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

On XX/XX/2021, XX/XX/2021 and XX/XX/2021, I made Equifax aware that they were reporting erroneous information on my credit report. This includes accounts that I did not establish as well as incorrect demographic information. Equifax has yet to respond to any of those letters and the incorrect, unverified information remains on my credit file. They are in violation. They have not completed any investigation as I requested over this entire time period.
Consumer complaint received 2019-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Ive been trying to submit an online credit report dispute to Equifax and XXXX for over a month and have gotten multiple technical difficulty notices on both websites one month ago and again today. Ive tried calling both agencies then and today, and have been told that their server is down or that they are closed. Ive even seen a notice that my information is wrong and they arent able to find my credit report when I got reports from BOTH of these agencies in mid XXXX. I was able to contact XXXX last month and theyve already corrected the erroneous late payment note on my report which immediately got my credit score over 700! Im trying to refinance my house and the credit scores from Equifax and XXXX are killing my chances of even getting a loan, much less getting a decent rate. PLEASE contact those folks and tell them to quit blockading their website in order to avoid doing their job!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

ACCORDANCE TO 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE FRAUDULENT INFORMATION TO BE FURNISH / REPORTING ON MY CONSUMER REPORT AS THE CRA YOU HAVE A RESPONSIBILTY TO REPORT ACCURATE INFORMATION PLEASE SEE UPLOADED ATTACHMENTS
Consumer complaint received 2018-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already contacted company by submitting a certified letter to each company and as of yet have not heard anything back, and I want these hard inquiries removed immediately. 


XXXX XXXX XXXX, hard inquiry XX/XX/XXXX - XXXX/Transunion XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX - Transunion XXXX hard inquiry XX/XX/XXXX -, Transunion XXXX auto, hard inquiry XX/XX/XXXX - Transunion XXXX XXXX, hard inquiry XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX ; XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX Transunion ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX, auto hard inquiry XX/XX/XXXX - Transunion ; XX/XX/XXXX, XX/XX/XXXX - XXXX All of these companies sent a certified letter of dispute XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX 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
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

I contacted Disputed all charges that were posted to my account after XX/XX/XXXX. The last time I used the card was in XX/XX/XXXX. Therefore any charges that were posted to my account in XXXX are fraudulent. 

ALL charges that posted from XX/XX/XXXX to XX/XX/XXXX were fraudulent. I had not used the card since XX/XX/XXXX. 

My house was vandalized/burglarized on XX/XX/XXXX and I was incarcerated on XX/XX/XXXX and not released until XX/XX/XXXX. Therefore. I could not made of the purchases that were posted to my credit card during those dates. 

Since arrest records are public it is very easy to confirm the fact that I was incarcerated. It is obvious that my financial and personal information was comprised before and/or after my home was burglarized.
Consumer complaint received 2018-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

XX/XX/XXXX the borrower contacted AES to inquire how to process a co-signor release which the grandmother had signed for back in XX/XX/XXXX. AES is the lending institution and XXXX is the collection agency they use to process the payments, collect overdo payments, and make the calls. The representative for AES stated that the loan was taken out prior to when the co-signor release law with was instituted, so the loan was not eligible for that option. The grandmother is XXXX old and is trying to finalize any issues with her Estate that may be generated upon her death. The grandmother has received statements that have provided details that the loan is current and has been for more than 3 years. It is not believed that the information AES is providing is not accurate and in fact is a lie. The borrower has paid over the amount in interest payments that the original loan was taking out for.
Consumer complaint received 2018-03-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (TX)

I think its because of this reason : This past year I went to the hospital because I had multiple XXXX in my XXXX XXXX, it was something I couldnt heal by myself, it was a real emergency. Since I dont receive medicaid but I do have the XXXX XXXX XXXX insurace I thought that was going cover it but no it didnt, they dont accepted anywhere I went and since I dont work I only go to school, I dont have the money to pay back. I received multiple calls/cards telling me that if I didnt pay they were going to affect my credit, but like I mentioned before since I dont have the money to pay, theres was nothing I could do about it.