davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
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. (IA)

On XX/XX/2020 President Trump signed the coronavirus stimulas bill, while I don't know exactly what the wording in the bill states, however there is something in it that has to do with credit scores being negatively affected due to the pandemic and how it should not happen during this crisis. I've been hugely affected so I got a credit card with a small limit to help for the time being. My new credit report came out on XX/XX/2020 and my credit scored dropped 40 points. I can't understand why credit reporting agencies feel like they have the power of God over people and how they report our credit to lenders. I've been fighting tooth and nail for over a year to bring my credit scores up but I can't seem to make any headway even though for the past 12 months I've never missed a payment on anything let alone be late, however I can not get my score past XXXX and a drop of 40 points for getting a new card during a crisis should be a criminal offense.
Consumer complaint received 2021-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My father passed in XXXX of 2021 of XXXX. I am the executor of his will. I have been trying to close out his checking account with USAA XXXX XXXX XXXX ) since late XXXX. I have called faxed and written letters ( certified mail ) with all the information necessary to close the account. ( I have closed all his other bank accounts using the same info ). I even had my attorney write them a letter to inquire about why we can't close the account, to no avail. I have verified with USAA that they have received the information but they will not respond any further. I finally spoke with their insurance division and cancelled his auto insurance and they assured me that someone from their survivor relations would be in contact, but nothing. Not only have I had to deal with the loss of my father but dealing with USAA 's ignoring me has led to additional frustration.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

My credit report is reporting inaccurate information. Experian and XXXX  are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. Experian is reporting a Date Opened of XXXX and XXXX  is reporting a Date Opened of XXXX. Experian is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, XXXX  is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Experian and XXXX  are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (MO)

My credit report is reporting inaccurate information. XXXX  and XXXX  are reporting a balance of $ XXXX.However, correspondence was sent to me from the debt collection agency XXXX XXXX, XXXX. that has a balance of {$2600.00}. XXXX  is reporting a Date Opened of XXXX and XXXX  is reporting a Date Opened of XXXX. XXXX  is reporting late payments for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. However, XXXX  is reporting late payments of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX  and XXXX  are reporting a balance at the same time reporting that the balance is Paid and Closed. I've sent in dispute letters due to the number of violations being reported. They still refuse to delete the account. I was never sent any documentation prior to the repossession such as Notice of Default and Right to Cure, Notice to Sale Property or an itemized deficiency showing balance.I want this account deleted for FDCPA and FCRA violations.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (UT)

During a time of family crisis, my truck payment in XX/XX/2019 to FORD motor credit was partially paid and the balance paid 2 weeks later. Even though they received partial payment, they reported to all 3 credit bureaus my payment was 30 days past due. A call had been placed to FORD credit to let them know we were splitting payment in two. They agreed
Consumer complaint received 2020-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Activehours (PA)

This happened on XX/XX/2020. Earnin took XXXX dollars out my account and I did not have the money in my bank account which it made it become over drawn and they are refusing to let me cash out the XXXX dollars to make my account good again.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (IA)

On XX/XX/2020 President Trump signed the coronavirus stimulas bill, while I don't know exactly what the wording in the bill states, however there is something in it that has to do with credit scores being negatively affected due to the pandemic and how it should not happen during this crisis. I've been hugely affected so I got a credit card with a small limit to help for the time being. My new credit report came out on XX/XX/2020 and my credit scored dropped 40 points. I can't understand why credit reporting agencies feel like they have the power of God over people and how they report our credit to lenders. I've been fighting tooth and nail for over a year to bring my credit scores up but I can't seem to make any headway even though for the past 12 months I've never missed a payment on anything let alone be late, however I can not get my score past XXXX and a drop of 40 points for getting a new card during a crisis should be a criminal offense.
Consumer complaint received 2020-03-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Citizens one and XXXX XXXX can not produce original documents of final disclosure for private student loan from XX/XX/XXXX. The charge of amount is incorrect, the percentages are fraudulent. When I asked for final disclosure papers all they gave me was transaction history. The dates are also wrong. I graduated in XX/XX/XXXX. They have been reporting invalid dates. When I go to open up the final disclosure from my email they have blocked this document. I would like for this document produced. I have asked many times before over the years and they have refused.
Consumer complaint received 2020-03-31
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)

My identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXXXXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-31
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 identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I had repeatedly contact CHASE in reference to inaccuracies and unauthorized charges found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. CHASE then placed the account Into collection/delinquency status. CHASE refuses to attempt to contact me or attempt any type of communication in order to come to an agreement in settling the debt. How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that CHASE has intentionally avoided my communication efforts into settling the account. On or about XX/XX/2022, I made contact with CHASE and they refused to provide any affordable payment plan that can have a positive outcome in my favor. 
I have been unable to find any other type of information in order to settle the account. I have not refuse to pay the debt I just need help in verifying the information at the bottom in order to make an affordable payment plan. 

As you will see CHASE has not been able to can see they alleged to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case XXXX XXXX  XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.
Consumer complaint received 2020-03-20
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: Southwest Recovery Services, Inc. (VA)

XXXX XXXX XXXX - Says its in collections for {$2900.00}. With XXXX XXXX XXXX XXXX - Same thing - With XXXX Southwest Recoverys {$890.00} Says it is in Collections With XXXX  XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX  These accouts are definitely not mine
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I logged into my account online. I saw that my payment due and was more than it should be. It was {$26.00} more than it should have been. I paid on XX/XX/XXXX, which I thought was for the XXXX and XXXX billing cycle. I thought that was including the {$26.00} that was due for XXXX. I received an email on XX/XX/XXXX stating I was 2 months behind on my payment. I called in to see what was going on because I knew I was going to need to make another payment the week of XX/XX/XXXX for the month of XXXX. After speaking with a manager he instructed me that I was 32 days past due and would be receiving a 30 day late on my credit report. He informed me the {$26.00} was a late fee for XXXX and that had I paid my payment in XXXX  1 day later the {$26.00} due for XXXX would have been included in my payment. I explained I had a good history with making on time payments, I have never been late on either of the two accounts that I have with them. I told him the impact that was going to have on my credit and that I needed it taken off. Because of that late payment my credit score dropped 93 points and is going to put me in a bad situation with some loans that I need to refinance.
Consumer complaint received 2021-06-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (DE)

I paid this loan off in XXXX. I do now know why Westlake is assessing a {$280.00} past due payment or for what. I received a letter from them in XXXX stating a payoff balance for the loan, but I already went through that process! I do not believe I owe them {$280.00}, there must be some kind of mistake, and Westlake is acting like they have no knowledge of any of this!
Consumer complaint received 2020-03-19
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: Nelnet, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Hows it possible that youve reported me 90-150 days late with no late payments prior to that? I was never late on this account. 

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 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I need to know by which methods they used to verify that that was my bankruptcy? If they used a 3rd party to " verify '' the erroneous bankruptcy, which 3rd party company was it i.e. XXXX. 

If they used XXXX, as the lettet from XXXX stated, " They couldn't very that the bankruptcy belonged to me, so we removed it '' Also the credit bureaus saying " We verified it was your bankruptcy ... because we said so '', isn't proof. 

Until the 3 credit bureaus provide attachments in response of either a certified letter from the bankruptcy clerk or a letter from a 3rd party i.e. XXXX, then you have no credibility. 

I provided my proof via XXXX attachment to the complaint, where is your attachment credit bureau? 

The only way for this credit bureau to be lawful, CFPB, is to threaten them with fines! 

The fact that despite XXXX removed the bankruptcy because they could verify beyond the shadow of doubt, and the credit bureaus still refuse to do so, is because they do not care about the integrity and accuracy of my credit report, and they also do so because they make a profit over my erroneously low credit score!
Consumer complaint received 2020-03-19
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. (FL)

I called XXXX and spoke to their customer service. They would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of inquiries issues. Spoke to XXXX  and asked them what due diligence they do on their parts to verify that whatever the creditors are reporting to them is valid and they blatantly told me that they dont do any due diligence and that whatever the creditors report to them they assume is true. I have four inquiries that I need removed because those inquiries were not valid. 

XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 Thank you in advance
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc. (AK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pennsylvania XXXX ( XXXX ) XXXX Is unlawfully reporting information to credit bureau ( s ) ... 
I do not owe any money to their customer at anytime.
Consumer complaint received 2020-03-20
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. (PA)

The following accounts are fraudulent and must be removed! 

XXXX XXXX XXXX XXXX False Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$950.00} Date XX/XX/XXXX XXXX XXXX XXXX False Balance {$0.00} Date XX/XX/XXXX XXXX   XXXX XXXX False Balance {$57000.00} Date XX/XX/XXXX XXXX  False Balance {$160.00} Date XX/XX/XXXX XXXX XXXX False Balance
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (FL)

This account is reporting late as reported in my Experian and XXXX Credit bureaus. This account should not be showing the current status of 30 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX Opened : XX/XX/2012 XXXX XXXX : {$0.00}
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Have a Problem with XXXX  there is a 30 day late that's reporting on my credit report from XXXX XXXX for the amount of XXXX of date XX/XX/2021 This company is reporting incorrect and inaccurate information I was never 30 days past due This information is Fraudulent and misleading Section 807 violation and misleading false reporting I, m seeking litigation from this late payments and please delete from credit report. XXXX is not Reporting a 30 day late payments on my credit report
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-03-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern purchased a XXXX XXXX XXXX the vehicle at hand had XXXX  mils  on the dashboard the fianc company was XXXX XXXX located in XXXX Michigan this company accepted our loan for 36 months the price ov the vehicle was {$9600.00} the amount ov {$5000.00} dollars was put down as the bank said it was a fee to fianc the companys policy was agreed to fianc this vehicle it has now been paid in full lien was lifted as XXXX XXXX this company has marked this as a repo when the vehicle was picked up by the bank the vechile was 3months or  less toward in the term me and the co-signer has contacted this company about the credit reporting follows this companys accounting department has Extened this inaccurate info to the 3 major credit Beuarus as a repossion we have tried to contact this fianc company about this the company also the credit breaus will not remove this issue off the 3 Major Credit Beaures we would like this sent over to transunion also to be removed for not acknowledging the time line that this repo is being reported almost 11 yrs I will present a copy ov the letter stating that the installment contract lien was lifted and paid in full this is causing more problems because Im getting denied credit dee to this error I would like for it to be removed because the date info is way past the fair credit act that is  being extended from XX/XX/XXXX till XX/XX/XXXX we no longer have the installmentoan Im have not received any info from the credit Beuarus that this has been removed and also the the other party that is apart ov this issue I want this removed immediately
Consumer complaint received 2020-03-31
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. (AR)

My identity has been stolen. While I was trying to purchase my first home through a first time homeowners program I was told when they pulled my credit that there was no way I could become a homeowner with all the derogatory items on my account. The accounts showing on my report do not belong to me. They are fraudulent accounts please remove them from my report. 

XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$790.00} XXXX  XXXX {$14000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-31
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)

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and I picked out the car I wanted for her I had to get my credit pulled and there was things I was not familiar with. None of these things listed on my report belong to me. Could you please remove these items.