davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
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: CNG FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I received a telephone call from XXXX purporting to be with XXXX XXXX XXXX. The representative stated that " Check N Go '' is attempting to collect {$1000.00} from me. In XX/XX/XXXX I was discharged from US Bankruptcy Court and Check N Go was listed in this granted discharge. Check N Go continues their business practices of harassments by having different collection agencies continually contact me.

I should be the one filing suit against Check N Go because this debt was legally discharged over eight ( 8 ) years ago but yet they continue the harassments activity. 

XXXX XXXX, Attorney at Law represented me in this Bankruptcy and advises me to contact you because Check N Go 's business practices described are against the law. 

I am old and disabled and these scammers try to steal from me. 

Please help me.
Consumer complaint received 2021-07-30
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. (MD)

The following accounts listed are fraudulent Accounts on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I Never gave XXXX  any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or i will CONSULT WITH MY LEGAL COUNSEL FOR SUIT. 


XXXX  : XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX Account number XXXX Date XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX  Account number XXXX Date openedAug XXXX, XXXX Account number XXXX Collection opened XXXX XXXX, XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Account Transunion : XXXX  XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was the victim of a scam in XX/XX/XXXX, I did the police report and everything, my account was closed due to fraud, but my credit card was still open, I paid the remaining balance more than a month ago. I'm still not able to open a bank account.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was working with XXXX XXXX  to repair my credit last year and I disputed validity of 2 debts to Capital One Bank which were listed on my report. After the waiting period, it was determined that I'd proven my claim and Capital One had to remove the items from my report. A year later I suddenly get a notification that my credit has dropped nearly 30 points because of a new collection. When I looked to see what it was it showed, XXXX XXXX which confused me as I don't know anything about them. Upon opening it I discovered that it was Capital One. They were reporting it as a brand new debt and saying that I currently have open accounts with them. All lies. They've now added a second item from Capital one to myreport and are essentially destroying my credit score. I was under the impression that once you win the dispute its over. Not that the company can decide to sell it off to a debt buyer and then they can put it back on your report. I spoke with XXXX  today and they told me that this constitutes fraud.
Consumer complaint received 2021-07-30
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: JPMORGAN CHASE & CO. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-01-31
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (VA)

Last month I reciev3d a check payable to me for XXXX so I deposited I my us bank checking account so they cleared it so I started paying my bills so I paid my credit card bill of XXXX dollars then I left XXXX which I owed the bank money so they took the rest Later on about 5 days later I couldn't access my accounts online and I was given the run around. So finally I filed a compliant about fraud and I had gotten scammed. The check had already been cashed but was sent to me unwashed so I lost all of my accounts and the bank closed my credit card which had nothing to do with my 3 checking accounts I feel I was treated unfair and discriminated against. These people at the bank got me mixed up and I'm going to sue them I had fraud going on and I am protected. I have fraud protection on all my accounts but a lot of activity from places I didn't authorize My accounts should have never been closed
Consumer complaint received 2021-08-05
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. (MD)

On Wednesday XX/XX/2021, I began receiving alerts that a hard inquiry on my consumer report was just made. Upon reviewing my report I saw that the inquiry was made by " XXXX XXXXXXXX XXXX ''. I called the number listed and they explained that they do not pull consumer reports, however they provide the service for their clients to be able to do so and that the inquiry in question on my report was done by " XXXX XXXX XXXXXXXX. 

I immediately contacted the mortgage broker that I had been working work to refinance my mortgage and inquired why, without my knowledge or authorization he had taken it upon himself to pull my consumer report. 

Facts : -The mortgage company already had an copy of my consumer report that I did authorize for the purpose of completing the refinance, there was no reason to pull another. 

-I had already explained to the broker that I did NOT wish to have multiple inquires on my consumer report relating to this refinance as it know multiple inquiries can have a damaging impact on your ability to get funding in the future. 

-I DID NOT authorize a second inquiry on my report from this broker and it was done without my knowledge. 

-When I asked for an explanation from the Broker ; he lied. There was no need to pull my report again as he was aware he had my correct report ; despite if he had mistakenly misspelled my last name. He still got to the correct report. He also had numerous other legal documents as well if he needed to verify the correct spelling of my name ; including my license, tax filing, pay stubs and lastly MY OWN EMAIL. He then began to insult me. 

Please see the attached document.
Consumer complaint received 2021-08-05
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. (FL)

The FCRA applies only to the 3 main credit reporting bureaus -- XXXX, XXXX, and TransUnion. ... XXXX, XXXX, and TransUnion are legally obligated to provide identical information XXXX  and transuion are reporting that my XXXX  account is {$400.00} which is inaccurate. Per my XXXX  account that has the accurate information with an amount of {$460.00}. 

XXXX reports to all 3 major credit bureaus there for all 3 bureaus should show {$460.00} as my credit balance. 

I have disputed multiple accounts with TransUnion and XXXX  and I am not getting anywhere. 

Below I will attached all 3 reports so the information is able to be verified per accuracy.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

There are three ( 3 ) late payments from XXXX XXXX reporting on my credit file from XXXX, XXXX, and XXXX of 2018. I set up automatic bill pay through my local bank, XXXX, however, the payments were not processed due to bank errors. 

Since these late payments were caused due to errors by my bank, Im requesting the late payments be removed from my credit file. 

Attached is a letter from XXXX XXXX  for supporting documentation.
Consumer complaint received 2021-08-05
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: Experian Information Solutions Inc. (NY)

The following inquires are on my account in the last 10 days that I did not authorize. Below is the information that I have pulled from my credit monitoring service for Experian ; XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX Creditor Contact:XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Account Type : Bank - nonspecific Inquiry Date:XX/XX/XXXX XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : EXPERIAN BUS INFO SOLUTIONS Creditor Contact : XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Type : Credit bureau Inquiry Date:XX/XX/XXXX XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Account Type : Bank - credit card Inquiry Date:XX/XX/XXXX The following are the inquiries from before this date that I also did not consent to : XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX Creditor Contact : XXXX XXXX XXXX XXXX, OH XXXX-XXXX  ( XXXX ) XXXX Account Type : Sales financing companies Inquiry Date:XX/XX/XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-05
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. (NY)

The below are the credit inquires as reported by my credit monitoring service. Please remove these as I did not consent to them. 

XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX/XXXX  XXXX/Personal  XX/XX/XXXX TransUnion XXXX XXXX  Bank  XX/XX/XXXX TransUnion
Consumer complaint received 2021-08-05
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. (GA)

On XX/XX/1202 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX  you caused me.
Consumer complaint received 2021-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (FL)

The original loan was in my brother 's name XXXX XXXX account # XXXX. My brother died in XX/XX/2020 but I took up the payments on the car loan. I was asked to provide a death certificate to the loan company. This info was sent to BridgeCrest as requested and I continued to make the Monthly payments on the car loan. 

On XX/XX/XXXX the car was repossessed in XXXX at the home of my deceased brother 's and my sister home, although I have been making payments continually every Month.

My bank ( XXXX XXXX ) filed a fraud complaint with this company over the money that was paid and was being drafted out of my checking account. I was able to recover only 2 Months worth of payments even though I have made well over 9 Monthly payments to this company. 

I want a FULL REFUND of ALL monies paid and I have electronic receipts as proof of all payments to this loan. This company is engaging in unfair business practices if they are accepting Monthly payments yet still repossessed the car! I want the car OR a FULL REFUND of my money no other resolutions will be accepted! 

I have previously spoken to a representative from BrideCrest by the name of of Ms. XXXX  who stated that she was a Manager.
Consumer complaint received 2021-08-05
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One has to be the worst company to have a credit card with. Especially, when facing financial difficulties and having gone through TWO Federal declared disasters. If this is, In your wallet, you will NOT get help or any kind of assistance. After asking for assistance over and over again, during a global pandemic, I still can not get assistance. After being affected by the Texas Winter Freeze and having pipes burst in our home, I still can not get assistance. I have recorded phone conversations where Capital One customer service representatives bluntly say, Im sorry, but we can not do anything to help you because your account isnt delinquent. Unfortunately, there is nothing we can do or offer you at this time. I reply, I am trying to avoid this and hoping that I can, so my credit will not be affected when I can not make the payments. Still NO! Over the years, the only help that I received from Capital One is that they lowered my VERY high interest rate from 25 % to 23 %! My interest on the two accounts that I have with them has NEVER been lower than that 23 %. As a matter of fact, after this 6 months period was over, they raised to 27.15 %!!!! Now, my account is delinquent and my credit score is ruined! Guess what? Capital ONE still will NOT help me!

At this time, we are struggling to pay our debts. It started two years ago when I lost my job the day before XXXX through XXXX and until XXXX. 
We havent reco

vered from that, then, we had pipes burst inside the walls in our living room of our house. Next, the pandemic happened! Every month, I was threatened if I would be laid off or not. Fortunately, I did not get laid off like some of my colleagues did, but my salary was decreased by 40 %! We also were affected by the Texas Winter Freeze and had pipes burst again causing over {$45000.00} in damages! I dont understand why they can not help in this time of need. Especially since Ive never
been late until NOW!

What can I do? I am including a spreadsheet that shows Capital One changing my interest rate every few months and how much they have actually charged me in these years. PLEASE HELP MY FAMILY
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I paid an extra payment of {$10000.00} on ONE check noted to principal ONLY. My payment was split up as partial principal and partial house payment - I received 2 email notifications which is what brought it to my attention.

I was told the amount of {$1300.00} was applied as a regular payment with interest when I called to questions the split notice even though my payment is on autopay and was just paid for this month on the first.

100 % of my {$10000.00} should have been applied to Principal.

Only {$8900.00} was applied to my principal. 

LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I would like the {$1300.00} applied to the principal ONLY on the address listed as indicated on my check and payment stub supplied with the check. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

After the last COVID check there was a transaction where negative balances were credited to XXXX  then debited from my account. After the negative charge I was subject to a very negative account balance which resulted in me accruing 15 separate fees of XXXX  $ for basic subscriptions that cost well below that. Alongside these overdrafts the transactions were being returned resulting in more {$35.00} fees. When called I was told the best they can do is refund payments for 1/4th of their cost and that Id have to keep calling to try to get more waived. There is a blatant prioritization of large ticket items which in turn results in smaller items having a higher likelihood of over-drafting.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

The problems started in XX/XX/2021 when a representative from the Navy Federal Credit Union caused errors on my account due to my checking account being hacked. From that time on I had problem after problem with that credit union. Then yesterday, I found out that they closed my checking account. I had previous disputes with them on a transaction concerning XXXX XXXXXXXX. I had submitted a 2nd request for review of the situation. Yet, I never received even an acknowledgement of the email. The next thing I knew noticed was my account being closed and I received a letter. I am absolutely disgusted and apalled by this Navy Federal Credit Union. I have serious health issues and I don't not need this unnecessary stress. Everyone at the Navy Federal Credit Union always had a different story to tell about any question someone has. They are very confused and do not what they are doing! I Tried to close my savings account with them this morning as was not able to do so because the female representative said she didn't know how to do it! This is the most disrespectful, inhuman, uncaring, unknowledgeable credit union I have ever been associated with! They should not be allowed to treat people that are ill any type of way. I am now having to wrongfully pay {$91.00} because of an issue that was not my fault. I do not want this to be place on my credit file so I have not other recourse at this time but to pay this. However, I do not agree with this false debt that they claim I owe!
Consumer complaint received 2021-08-05
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

[ I believe this account is reporting inaccurately. I do not recall having an account with this company. I don't think there is a legal contract between this company & myself. I would like you to provide me verifiable proof this account belongs to me. I request a signed contract which will demonstrate a legal agreement. Please delete. ]
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Credit Card company is USAA My primary Bank is XXXX XXXX Used my XXXX XXXX online Bill Pay to make payment to USAA. I have used this system many times to pay this bill and has never been a problem. 
Payment of {$250.00} was made on XX/XX/XXXX. 
Two weeks later, I received notice that my credit card payment was overdue. 
Checked my XXXX  account and saw where the money had been taken out of my account. 
Contacted USAA and they stated that they could not find the payment and that I would need to provide proof that payment was made. 
Uploaded a copy of the 'ACH Item Detail ' on the evening of XX/XX/XXXX to the USAA web portal. 
Contacted USAA XX/XX/XXXX to check the status and was told they could not locate the ACH Item Detail I had uploaded. They stated they would look for it. 
Received a call from USAA collections department the morning of XX/XX/XXXX. They stated my credit card was overdue and that if I did not pay the XXXX bill, they would be reporting me to the credit bureaus. 
Only after explaining they USAA had lost my payment and there was an active investigation did they bother to look at my account and see that there was a case. 
Called USAA the morning of XX/XX/XXXX. Was told that it would be a 'couple more days ' for them to resolve the issue. 
In the meantime, they have frozen the credit card and I can no longer use it.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (MI)

On XX/XX/2021, I sent a certified debt validation letter to XXXX XXXX XXXX requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MO)

Sunrise Credit Services filed a report on my credit saying I owed XXXX  {$130.00} for XXXX XXXX  when Ive never opened an account or inquired/received XXXX  through XXXX. XXXX  also does not provide XXXX  XXXX  anymore so theres no way I would have been able to get it XX/XX/2021 as it stated.