davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$76.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX {$530.00}
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX  XXXX {$370.00} XXXX   XXXX {$36000.00} XXXX  XXXX {$370.00} XXXX XXXX {$54000.00} US DEPT ED XXXX {$26000.00}
Consumer complaint received 2020-08-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Solidus Group LLC. (NY)

I leased a vehicle in 2014 with XXXX XXXX XXXX. Unfortunately I lost my job and was no longer able to pay my lease, so the vehicle was repossessed. The charge and account was close on my credit report, but I am still being charged and the amount has increased significantly. I have written a letter and the company added on over XXXX to the account.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$76.00} XXXX XXXX XXXX {$640.00} XXXX  XXXX XXXX {$6200.00} XXXX XXXX XXXX XXXX {$530.00}
Consumer complaint received 2016-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (PA)

My financial hardship started in 2015. I contacted my mortgage company and they have been requesting for the same documents over and over again for the past year. It has been a nightmare and has caused my medical condition to get worse. I have provided my documents on a timely fashion and have yet to get a final response.
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

CapitalOne is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to XXXX but has not received any assistance. The account has been deleted with XXXX  and XXXX   however my XXXX credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2023-02-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

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 2020-06-18
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: Experian Information Solutions Inc. (TX)

A company named XXXX XXXX XXXX is reporting an active account on my credit report that is currently reporting delinquent, and damaging my credit rating. This account does not belong to me, and I have never done business with this company. I have contested the account at the credit bureaus three times, but the credit bureaus continue to falsely verify the account belongs to me. I've even contacted XXXX XXXX XXXX directly, and they confirm that they do not have my name in their system, and have no record that I have an account with them. Despite all of this, this delinquent account that does not even belong to me, remains on my credit report and continues to hurt my credit scores.
Consumer complaint received 2022-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I made a payment to FedLoans on XX/XX/XXXX in the amount of {$12000.00} which paid off 5 out of the 8 loans I had. The active loans left were transferred over to XXXX. I requested a refund on the voluntary payment I made in XX/XX/XXXX as I qualified for a refund due to covid. I requested the refund from FedLoans on XX/XX/XXXX as I was told by my current servicer ( XXXX ) that since that payment was made prior to my loans being transferred that FedLoan would handle the loan. I confirmed the request was in and received notice dated XX/XX/XXXX that the loan refund was in process and it would take 2 months to receive it ( I have attached the notice for reference ). It got close to the 2 month mark and FedLoan eventually told me there was no loan refund request in their system. I was told I had to speak with my current servicer to get the refund/ I went through a circle the week of XX/XX/XXXX because I kept calling XXXX who told me they couldn't refund it and then call FedLoans for them to say they can request the refund. I ultimately was able to get a refund request put into XXXX. I previously submitted a CFPB complaint about the inaccuracies and discrepancies with refund timelines on XX/XX/XXXX where FedLoan then responded on XX/XX/XXXX ( after I found out that my loan request was nowhere in their system ). They said they transferred my " paid in full '' accounts to XXXX and that they have the refund request I previously made. I spoke with XXXX on XX/XX/XXXX and they only had the request I remade on XX/XX/XXXX in their system. Essentially I waited 2 months assuming FedLoan was processing my refund to only be told that nothing was done and have to start from square one with XXXX. It seems as though both providers can me inaccurate information and it has resulted in a larger delay in receiving my refund. This is unacceptable as now XXXX  refuses to give a timeline on when to expect my refund and some of the representative who had said it will take a minimum of 150 days from the day I requested the refund from them and not when I requested it from FedLoans which I was told would transfer.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently ensured that payments on this account are made promptly, never allowing them to be overdue. I'm uncertain about the reasons behind the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2020-06-18
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: MIDWEST EQUITY MORTGAGE, LLC (IL)

When I first decided to try to get pre-qualified for a loan I looked online at loan companies. ONE time I gave my email address and all of a sudden I had several companies emailing me about a loan. I immediately unsubscribed from every one of them and where I could I typed a message that was very clear that I was no longer in the market and that I had unsubscribed and not to call me or email me again.

But now I've had six ( 6 ) companies that keep hitting my credit report and I've never spoken to any of them. They are : ( XXXX ) XXXX ) - XXXX/Midwest Equity, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DE, XXXX ; ( XXXX ) XXXX ) - ( XXXX : XXXX ) - XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, IN XXXX ; ( XXXX ) XXXX ) - XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, IA XXXX ; - XXXX XXXX XXXX , XXXX XXXX XXXX., XXXX, WI XXXX ; and - Celebrity Home Loans, XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX.
Consumer complaint received 2020-08-12
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: Bread Financial Holdings, Inc. (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-06-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: MoneyLion Inc. (NY)

I've reached out to customer service on numerous occasions trying to rectify the problem which didn't work apparently there was an issue on moneylion end where they didn't process payments for part of the month of XXXX of XXXX and caught their mistake to which they initiated the payments on back to back days nearing the end of the month fast forward to the month of XXXX of XXXX they made an error again where as they stated I missed payments which I contend I did not which my bank statements are supporting documents because of their mistakes/errors I had to agree to a new term which extended the loan and not only that they've reported my loan as delinquent to the credit bureaus twice even after I agreed to new terms upon looking over my bank statement Moneylion failed to initiate the payment of {$9.00} but did debit the membership fee of {$4.00} which is an error on their part as both the loan payment and membership fee are supposed to be debited on the same day my account always has sufficient funds to cover any bills that I have to pay
Consumer complaint received 2020-06-18
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: ALLY FINANCIAL INC. (CA)

There are inquiries from ALLY FINANCIAL ( XX/XX/2020 ), XXXX/XXXX  ( XX/XX/2020 ), & XXXX XXXX  XXXX ( XX/XX/2020 ) that I do not recognize nor did I authorize.
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 — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I have about three student loan accounts open that at the time were with Heartland ECSI or ECSI as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted Heartland ECSI about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted Heartland and its sister company Heartland Federal countless times in the last few weeks to correct the error and they keep passing me around to one another. ECSI tell me to talk to Heartland Fed, Heartland Fed or FSA told me that I need to submit documentation. ECSI has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX   on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/year> there was a transaction for {$500.00} sent from my account to another account. I immediately contacted wells fargo and told them it wasnt me & gave them the details to the account that the funds went to and the name/number associated with that account. My account was credited the {$500.00} & a new card was issued. 2 months later on XX/XX/year>, my account was debited the {$500.00} & wells fargo said the decision was final. That caused all of my autopay bills to return, resulting in XXXX overdraft fees from wells fargo in the amount of {$140.00}.
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCY XXXX
Consumer complaint received 2020-06-18
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: TD BANK US HOLDING COMPANY (CA)

There are TD Auto Fin, XXXX XXXX , & XXXX XXXX XXXX from XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been trying over the past 4 months to get access to my credit report at Myequifax com, each time i called I'm given the XXXX for someone in support to help me. At each call the support states waiting an hour for trying again and it still does not work. I contact the customer support office today at XXXX and was told the phone system was unable to verify my identity even though she did. She informed me that I had to either fax or mail a copy of my TDL and SS and once received it will take 507 days to process. She stated once i received notification from them ( Equifax ) I can call them to ask some to reset my password, if they can verify my identity. I explained to her I have been trying to get access to my account for about 4 months and to no avail. I just want a copy of my credit report so that I can dispute some items on it and make corrections. Please assist me in getting this issue with Equifax taken care of, I believe in security but this is reluctant.
Consumer complaint received 2020-06-18
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: General Motors Financial Company, Inc. (CA)

There are XXXX XXXX XXXX, XXXX XXXX , & GM Financial Inquiries from XX/XX/2020 and XX/XX/2020 that I do not recognize nor did I authorize.
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: Experian Information Solutions Inc. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. DPTEDXXXX {$3500.00} DPTEDXXXX   XXXX {$4400.00} DPTEDXXXX XXXX {$3500.00} DPTEDNAVI XXXX {$5700.00} XXXX {$8000.00} XXXX XXXX {$28000.00} CHAPTERXXXXBANKRUPTCYDISMISSED XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX   XXXX {$450.00}
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. (MD)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX  XXXX {$260.00} XXXX   XXXX XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}
Consumer complaint received 2020-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

In XXXX president trump put all student loan payments on hold until XX/XX/2020. I havenl 3 loan companies, my federal, XXXX & naviant, the first 2 have deferred the payments & have done as the president ordered. Naviant calls me multiple times a day & emails me also. I have called & emailed them with questions why they're not following the presidents order with no relief or help. The lady on the phone call hung up on me, the emails the lady never answered or addressed the issue.
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 — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$3200.00} XXXX XXXX {$17000.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX