davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (GA)

Experian keeps placing this XXXX account on my credit report. They have a numerous occasions ignored the enormous amount of proof that this account does not belong to me and they keep removing it from my credit report and putting it back on which is a violation each time they have done that. I have sent in affidavits police reports the act took place in another state that I have never lived in. The transactions were done in another state. I have irrefutable proof that it was not me, but I am still being damaged by the incorrect and I erroneous information. XXXX has verified with an email that I don't have an account with them. I contacted them to let them know that I was declined due to their company being on my report and they responded with an email saying that they do not have an account under my name I want this account removed from my credit report immediately.
Consumer complaint received 2021-12-14
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: HUNTINGTON NATIONAL BANK, THE (PA)

On XXXX/XXXX/21 I purchased a car from XXXX XXXX and only authorized them to run my credit. I did not authorize them to push it to anyone they wanted and they ran it along with the following banks : Huntington N, XXXX XXXXXXXX, XXXX XXXXl and XXXX Bank. Because of them doing this it has caused a major hit on my credit that should not have happened which caused many other things to then happen with my credit. I am trying to repair my credit but it says these hard hits will be on it for two years. I contacted the banks and they said to contact XXXX XXXX and I did that and they said it will be fine by the time I need a new car again. I have bought many cars and this has never happened before. Can you please help me.
Consumer complaint received 2019-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

XXXX  and Exquifax has the wrong Credit Score at XXXX and my Credit Score should by XXXX. XXXX  and Exquifax ate Discriminating against me because I am XXXX XXXX. I want a full investigation into XXXX  and XXXX because they both are Quity of XXXX Discrination. I want XXXX  and Exquifax to correct my Credit Score to XXXX.
Consumer complaint received 2023-04-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Thunderbird Collection Specialists, Inc. (CA)

I asked for verification of the debt owed to Thunderbird Collection ( because I have no idea what they are talking about ) years ago and have never received anything but continued threatening calls. Eventually I asked them to cease and desist further communication with me and they started calling my XXXX XXXX  mother and telling her I have a bogus debt and threatening her as well. This has to stop!
Consumer complaint received 2018-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX a {$500.00}. was withdrawn from my account at TD bank at the XXXX XXXX branch. 
I was not the person who withdrew this money, it was fraud. I went to the bank on XX/XX/XXXX to report this and I was told they would look into it. As I was told by XXXX XXXX customer service was I had to file a compliant with the notary from the bank. Her name is XXXX XXXX. I did this on XX/XX/XXXX and was told they would XXXX XXXX the complaint immediately and I would hear from them within the next few weeks. I continued to follow up and I was told these things take time when claiming XXXX. 
I think I have been more than patient with them and I would like my {$500.00}. plus fees for bounced checks and other expenses.
Consumer complaint received 2022-05-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-05-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX  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.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ID Analytics, Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I want these accounts removed from report no more reporting
Consumer complaint received 2022-05-25
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)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Account charged off. {$2500.00} written off. {$3400.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$3900.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 

FCRA violations : payments never late XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-25
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)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Account charged off. {$2500.00} written off. {$3400.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$3900.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX 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 2021-12-14
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-14
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: Experian Information Solutions Inc. (OK)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (MA)

On XX/XX/XXXX I attempted to withdraw {$300.00} from an ATM in the XXXX XXXX in XXXX XXXX XXXX NV. I was given an error, so I tried again, and got another error. The money was not dispensed. I moved to a different ATM a few feet away and was able to successfully withdraw {$300.00}. I received a text from Schwab asking to authorize the transaction, which I did, assuming it was the second ATM that did dispense the funds, but now I'm not sure which I was authorizing, however I only received money from one ATM. I was not alone, other people can attest to the fact that no money came out of the first ATM. I reported it to Schwab, who provided me a provisional credit and investigated, but found that the ATM log says it dispensed the money. I requested they investigate further and they said they may have run the logs for the wrong ATM so they'd run it again, but they still found that the ATM says it dispensed the funds and withdrew the provisional credit. However, I know for a fact this never happened and I will not be charged {$300.00} for funds I never received.
Consumer complaint received 2015-09-21
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

I recently sent {$100.00} to a guy who I sort of know and he told me in writing and over the phone that I would get paid XXXX in return. Now that I have sent my share he has not sent mine in return. I am highly upset. His reason for not sending it is because he went out that night. Which is not business.
Consumer complaint received 2021-12-14
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

1.I have a Capital One Venture Card. I have never made a late payment in my 20+ years as a customer. 
2. I have set up through my bank to have the same amount electronically remitted to Capital One each month, on the same day ( ie. every 30 days ), to more than cover any minimum payment that may be due on the card for a month 's transactions. There is no dispute that my payments more than cover the minimum payments required by Capital One. To my knowledge there has never been an issue with the timing of these payments, relative to the Capital One billing period in the past. 
3. Recently, Capital One received my payment due XXXX, XXXX on XX/XX/XXXX. My XXXX payment, which my statement said was due on XX/XX/XXXX, was sent by the bank on XX/XX/XXXX, one day before the end of what Capital one claims to be their billing cycle. 
4. Because the automatic payment from the bank was sent one day early ( because of an upcoming weekend ), Capital One claims I made no payment for XXXX at all. To punish me for this they have : *Locked my card indefinitely *Charged me a late fee *Reported me to credit agencies as a delinquent customer 5. Capital One refuses to remedy this error. Capital One claims that unless I make a payment directly to them, by allowing them access to withdraw funds directly from my bank account, they can and will continue to suspend my ability to use the account indefinitely. 
6. The bank from which I make my payments has verified to them that funds for the Capital One bill due on XX/XX/XXXX have been removed from my banking account and have been transferred to Capital One as of XX/XX/XXXX. They also verify that according to their records, no payment has been missed in the history of electronic payments made by the bank to Capital One. 
7. As of XX/XX/XXXX, Capital One themselves show that the funds have been received, but continue to tell me that the card is frozen indefinitely for non payment. They insist that it " takes a few days '' to process the payment, and therefore they will not release the card for an indefinite period of time, and refuse to give me a date when that might occur and when the errors will be corrected and my good credit history etc restored.
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (NV)

This was a debt from XXXX, discharged in bankruptcy in XXXX. I have REPEATEDLY disputed this debt with Resurgent ( the collection company ) teeming them if was discharged.. They once again send a statement of the debt from XXXX, and start the whole process over stating that if I don't dispute the debt in 30 days, it will be valid.. This has been going on for months, if not years.
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Complaint is agai nst Navient I  keep submitting payments on time and they are processing them a week later and the payment is through a checking account. I understand a day or so for processing, but when I pay a bill at  XXXX  on the  XXXX  that is due on the  XXXX  it should post by the  XXXX . In fact they posted one of my payments on the day after it was due (  XXXX  ), but not the other larger payment. This has happened before.
Consumer complaint received 2019-06-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M&T BANK CORPORATION (DE)

I took out a {$2000.00} Home Equity Loan with Wilmington Trust now M & T Bank around XXXX. I was paying {$400.00} per month UNTIL I lost my job of 20 years around XX/XX/XXXX. I was unable to make payments due to loss of job and being XXXX due to illness. I eventually won my Social Security XXXX case around XX/XX/XXXX to which I met with a Wilmington Trust official at their XXXX De branch and I brought the loan current according to their figures of {$16000.00} to which I have the original check that I am providing a copy of. Unbeknownst to me, Wilmington Trust filed a Default Judgement against me just 2 weeks later on XX/XX/XXXX for {$8500.00} to which I was not aware of until I tried to refinance my home mortgage with another lender in XXXX. I SUBSEQUENTLY PAID THE {$8500.00} TO REMOVE THE LIEN AND JUDGEMENT AGAINST ME ON XX/XX/XXXX. THERE SHOULD NOT HAVE BEEN A JUDGEMENT AGAINST ME WHEN I PAID THE {$16000.00} ACCORDING TO THE BANKS OFFICIAL FIGURES TO BRING THE LOAN CURRENT ON XX/XX/XXXX. WILMINGTON TRUST FILED THE JUDGEMENT AGAINST ME JUST 2 WEEKS AFTER I BROUGHT THE LOAN CURRENT ON XX/XX/XXXX, XXXX!!!!!!! I also completely paid off the loan through Chapter XXXX Bankruptcy Plan through XXXX XXXX XXXX TRUSTEE on XX/XX/XXXX.
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (FL)

A foreclosure was started in the court system on my home XX/XX/XXXX and the other party dismissed XX/XX/XXXX without prejudice and the servicing was sold to Ocwen from Litton, Ocwen started the modification nightmare with me and finally realized it was way too long of time that had lapsed so here we are over XXXX years later and they called my work and left message for me to call them. I called them back they are telling me they want to work out a resolution with me that lien is pending and that I might not necessarily have to pay the full outstanding balance that I could try for a settlement which would be subject to approval? Are you kidding me after all this time, is this a joke. 
Thank you
Consumer complaint received 2022-05-25
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. (NV)

In accordance with the Fair Credit Reporting act XXXX 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 2019-06-14
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: Experian Information Solutions Inc. (NY)

In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.
Consumer complaint received 2019-11-23
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. (NV)

I am a victim of identity theft I have contacted credit bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that the item came back validated even though the information is not correct.
Consumer complaint received 2024-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX  XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 

I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.