davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
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. (NY)

I contacted this company XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for VALIDATION of some accounts which by law I have this right. The company responds back VERIFIED but FAILED to show HOW as I requested all three times. 
My XXXX collections, HOW did you validate? I can say for a fact that I have proof eastern account systems is inaccurate being I have actual proof XXXX was PAID. So how is it exactly these accounts validated? I have a right to know and if this was not done, removal. I have a right to see the contract to each of these companies showing I owe them by terms of a contract with my signature, This is my right to obtain this and this is by law the only way they can be reported on my report. This contract is to show their company names and my signature to be a valid debt by law. 
The accounts by XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all INACCURATELY REPORTING. XXXX XXXX  XXXX XXXX and XXXX XXXX are all INACCURATELY REPORTING. These XXXX accounts show 0/0/0 in payment history, they show 100 % payments on time but yet CHARGE offs! Law code 15 is code 1679c states ALL INACCURATE ACCOUNTS ARE TO BE REMOVED IMMEDIATELY! I asked to validate XXXX XXXX  also to a simple valid. How was this validated? 

When I questioned inquiries I was IGNORED. I called each of these companies and they have no record of me and told me to contact the reporting agency, so why am I being ignored? Who is XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX again on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX? I NEVER authorized these inquiries.
Consumer complaint received 2022-05-24
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: World Acceptance Corporation (GA)

On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. 

Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and XXXX accounts from World Finance Corporation. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. 

I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. 

I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and XXXX with no success. XXXX also including a copy of the police report that was filed for the identity theft.
Consumer complaint received 2022-05-24
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. (PA)

The inquiries on my credit report are not mine. I never gave permission for my credit to be ran. This is identity theft! Please remove these Inquiries from my credit profile.It it causing me great distress. The following inquires need to be removed as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (PA)

The inquiries on my credit report are not mine. I never gave permission for my credit to be ran. This is identity theft! Please remove these Inquiries from my credit profile.It it causing me great distress. The following inquires need to be removed as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-05-24
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. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

I am attempting to get the title of my vehicle that was paid off in XX/XX/2020. The FL  DMV shows there is still a lien on the title, however, there is no longer a lien on the title. I have spoken with hyundai motor 3 times to get this satisfied. They can not tell me why it has been almost 2 years without a title release. I am told to contact them again in 3-5 business days to find out the determination of the release request. They stated they tried to release the title in XX/XX/2020 but they did not. They could also not tell my why. None of the service reps are able to give me any other information regarding why the title can not be released, other than " we will submit the request '' and that my account is " all in order and satisfied ''. It has been almost two years since my final payment.
Consumer complaint received 2023-10-31
Product: Credit reporting 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. (PA)

I am asking for help with my investigation this company is re-insert previously deleted accounts and have re-inserted the accounts on my credit report I have attacted three accounts the were deleted and now re-inserted on my credit file causing me to lose my employment and now going though financial hardship please help with accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CA)

I traveled to XXXX from XXXX XXXX XXXX and attempted to use my card. It was declined and then my account was locked. I have tried to contact them twice, on XX/XX/XXXX and XX/XX/XXXX. I have been told both times that my account is under review and someone will be in contact with me. They are unable to give me a timeframe when this will happen. When I called on the XXXX I asked about the process to close my account. I was told that this is not possible until they complete their review. This is ridiculous that I am forced to keep a credit card under my name that I do not want, with a company that can not provide basic information.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Requested a purchase eraser credit of XXXX for account, on XX/XX/2022. Current rewards balance has higher amount available than requested credit. Usual account credit time is three days. First call to Capital One service on XXXX XX/XX/XXXX was check account next day. Checked and no credit. Second Call XX/XX/XXXX. Spoke to XXXX. Was told account would be credited by XX/XX/2022. Account Not Credited. Third Call on XX/XX/2022, Spoke with XXXX, stated he was a senior Supervisor # XXXX. Was told credit would now be 1-2 billing cycles and to check back in XX/XX/2022. Would not guarantee it would be there.
Consumer complaint received 2022-05-24
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: Mr. Cooper Group Inc. (CA)

I have a loan with Nationstar dba Mr. Cooper. Back in XX/XX/2021 they forced placed insurance on my loan while I had insurance. I provided them with the evidence of insurance to show that I did not have a gap in my insurance. I thought the matter was resolved and continued with my regular scheduled payment. My payments are all sent to them directly each month from my Bank. 

For some reason, In the month of XXXX they reversed several of my payments for the erroneously forced placed insurance and placed everything into a suspense account. 

I got on the phone with them again and thought the issue was resolved as they undid everything and reapplied all the payments but in the process ended up incorrectly reporting me 30 days late for XX/XX/2021. 

I was never late and always had insurance. I always paid the payment and made the payment for more than the minimum required amount. 

I have been trying to resolve this issue with them for a week now and keep getting the run around. I am in the middle of a real estate transaction that has come to a complete halt because of their erroneous late payment.
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc. (PA)

I had a self lender account which I used my own money and theyre charging me something that was paid off and continued to charge me late fees when I closed the account.. it shows on my credit report that the account is closed with a balance which isnt correct
Consumer complaint received 2022-05-24
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)

I have never heard of this bank but they fraudulently placed a hard inquiry on my credit report. The description reads XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX. I called and they confirmed it was fraud but refused to remove the inquiry. Since this is now lowering my credit rating, please force them to remove any inquiries from any bureau they reported. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-11
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: JPMORGAN CHASE & CO. (PA)

I Have Filed A Dispute In Regards To The Incorrect Items On My Credit Report. it Has Been Well Over 30 Days And I havent Received Any Investigation Results.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NORTHWEST BANCSHARES INC (PA)

Hi,, I have a small checking account for years at Northwest Bank in XXXX XXXX, which I use primarily for paying charities. I had made a transfer from my main bank, XXXX XXXX, which I have done numerous times in the past to this account. The transfer was sent and deposited into my account. Then a few charges came through from the different charities and such and were paid. Three or four days later the transfer was reversed and all the payments were charged XXXX for overdraft. I went to the bank and spoke to XXXX who said she could reverse XXXX of the XXXX overdraft charges. I deposited XXXX that very day and received another overdraft the following day even though the account was now positive. I had no reason to believe the account was in the negative and feel it is a bank error and would like to please have all of the overdrafts refunded. Thank you XXXX XXXX
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (NC)

credit corp solutions called me on XX/XX/24 at XXXX. They did not identify who was calling although I asked multiple times. They released my social security number with fully confirming it was me on the phone. I informed them that I needed to receive a letter and was falsely told that a letter had already been sent out. I repeated multiple times to them that I did not want to be called nor would I confirm information over the phone. They talked over me and continue to ask for verification information after I had already told them no and they had already spoken out my social security number. I have my mailed tracked through USPS informed delivery and can verify that no letter in the last month has been sent from this company.
Consumer complaint received 2022-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PennyMac makes it virtually impossible to do business with them. 1. I have faxed 3x to the FAX ( XXXX ) number they provided ; not once did it go through. 2. They gave me the number to their insurance department ( XXXX ) ; I found it virtually impossible to get through to a person ; it simply hung up on me. 3. I have called their main number ( XXXX ) but I have yet to reach a knowledgeable person to help me update my client 's home insurance to their account. 4. I have tried to upload the documents to their web page XXXX XXXX  ) but it will not allow me in to upload documents ... most calls simply end up in having their automated system hang up on me. As of yet, I have FAXed 3 times and called 6-8x today and as of yet I have not been able to transmit my XXXX XXXX XXXX Their customer service is the epitome of an XXXX.
Consumer complaint received 2022-05-24
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)

Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX ) XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXXXXXX {$470.00} XXXX XXXX ) XXXX XXXX XXXX {$710.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX ) XXXX XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) {$38000.00} XXXX
Consumer complaint received 2022-05-24
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. (FL)

Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXXXXXX {$470.00} XXXX XXXX ) XXXX XXXX XXXX {$710.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) {$38000.00} XXXX
Consumer complaint received 2017-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (IL)

I have an American Express open business card for more than 5 years. In XX/XX/XXXX last year I was  notified from American Express by phone that I got 0 % promotion interest charge for one year. Since then I always made minimum payment every month on time. Today ( X/XX/2017 ) I logged into my account and I found there was {$240.00} interest charge on X/XX/2017. I paid my balance in full immediately and called American Express asking why there was an interest charge on my account. I was told the 0 % interest charge ended on X/XX/2017 and the charge is for 30 days balance. Since I signed up paperless statement I never get a notification about when the promotion period ends. It is unfair to charge me the interest rate without any notification.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (FL)

I have had an Apple Card with Goldmans Sachs for about a year now during the Coronavirus crisis I used it as emergency funds to stay afloat and maxed it out. Recently I have gotten back on my feet and was able to pay it off over a total of {$5000.00} to get the balance to XXXX. 

XX/XX/22 - {$4000.00} payment XX/XX/22 - {$1300.00} payment Today is XX/XX/22 funds from the second payment were supposed to be released XX/XX/22. 

I have been contacting Apple Support everyday for a week now to no avail. 

Why am I having to wait to use my money when I have paid off all debt owed to get my balance back to XXXX. This is ridiculous and nobody is helping me.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AR)

I've recently reached out to Equifax in XX/XX/2022 to update and remove incorrect or inaccurate personal information reporting on my credit report. On the Equifax credit report it contains addresses XXXX XXXX XXXXXXXX XXXX which I DO NOT currently reside nor have any affiliation to. The Employers section also contains inaccurate information with the names XXXX XXXX and XXXX XXXX which I was never employed at neither Employer. Despite my previous attempts this wrong information continues to report.