davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
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: AMERICAN EXPRESS COMPANY (IL)

I filed disputes in regards to incorrect items on my credit report and sent a letter to verify items. It has been well over 30 days and I haven't received any response regarding the investigation results
Consumer complaint received 2023-03-31
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS must remove any items no later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$110.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Minto Financial dba Minto Money (IL)

I was seeking deferral of a payment to stabilize financially and on two separate pay dates ( XX/XX/XXXX and XX/XX/XXXX ) Minto Money withdrew funds from my account although new credit agreements were signed. Each time I called back to determine why I was told that they did not process the request they sent to me and that I physically e-signed while on the phone. 

I then asked for my monies to be refunded from the XXXX which was also confirmed over the phone. Six business days have passed and I did not receive the funds from the XXXX. Minto Money has now applied a {$40.00} late fee and yet again claims that there are notes on file and my request was simply not processed.
Consumer complaint received 2021-04-20
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. (FL)

Good afternoon, I reached out to experian, XXXX  and XXXX regarding XXXX XXXX XXXX FIN with the account number XXXX and my mortgage XXXX XXXX XXXX XXXX with the account number XXXX about a late payment thats not suppose to be there. Before i reach out to credit bureaus i called both companies and i was told that it was going to be corrected. I was never late on my account at all, there must be some misunderstanding because i have initiate auto pay.
Consumer complaint received 2021-06-24
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: Volvo Car Financial Services U.S., LLC (FL)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft VOLVOCARLSE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2023-03-31
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or remove the following accounts that are harming my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

Santander bank for numerous months is not adding principal amounts to the monthly payments only interest for entire amounts. Santander bank is also reporting false information on all credit agencies. I've tried many times to resolve the issue with Santander bank and get no response from them. Please look into this matter Thank you.
Consumer complaint received 2021-04-20
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: Convergent Resources, Inc. (TN)

After viewing my report, I noticed negative account that I have never applied nor any communication with them. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I don't owe this debt. This is a formal notice pursuant to FDCPA 15 USC 1692g stating your claim is disputed and validation is requested. I have never receive any documents bearing my signature, showing that I have a legally binding contractual obligation to pay your company.
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (MA)

I reported a fraudulent charge on a credit card issued by BARCLAYS. The fraudulent charge appeared on a XX/XX/XXXX billing statement in the amount of {$89.00}. The statement only indicates it was a charge for XXXX XXXX. I reported this charge as fraudulent immediately and received a letter confirming the reported fraud on XXXX XX/XX/XXXX. 

After a month, BARCLAYS issued a temporary credit, but subsequently told me that the charge had been investigated, and was valid. BARCLAYS never explained how they came to this conclusion. I wrote again in XX/XX/XXXX to ask what was discovered in the investigation, and also to find out what goods or services this charge represented. It was not possible for me to determine this from the statement. 

BARCLAYS again conducted an investigation, but with the same conclusion that the charge was valid. There was never any information provided on why this was the case. 

Attempts to speak to someone in the FRAUD department was unsuccessful. Phone wait times exceed 40 minutes.
Consumer complaint received 2021-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

Good Morning/Afternoon, I am XXXX XXXX XXXX XXXX and Westlake Financial Services has not only shown great lack of professionalism but also abuse of financial gain on there status. Mistreatment of my account and legality of my XXXX XXXX XXXX Orders have been dismissed on numerous conversations. Westlake Financial Services has violated the SCRA ( Federal laws protecting Veterans who are deployed ). 

Westlake Financial Service was given XXXX  Orders early XX/XX/XXXX and acknowledge the status of the account. On XX/XX/XXXX Westlake Financial Services repossessed the vehicle on the account and refused to release until payment was made dismissing the Military Documents given. On XX/XX/XXXX I paid {$1600.00} to release vehicle from repossession company. Upon this situation, my credit score has been severely hit in nothing but a negative way. 

Before this action Westlake Financial Services has not only not taken my funds every month but added on arbitrary fees when addressed about there mishap. Reference # XXXX XXXX late payments can not be issued to people who are deployed ). Which I was given 10 missing late payment during the time of my XXXX.
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Integrated Asset Recovery LLC (FL)

The company XXXX XXXX XXXX, XXXX send me a letter for a debt collection of {$540.00} in the acc XXXX, that is not the same information that shows in my XXXX report, for example, the claimed debt is under the name of XXXX XXXX XXXX, and they have discrepancy no just in names but in the Adress, the letter showS XXXX XXXX XXXX XXXX VA XXXX and the XXXX info shows another XXXX XXXX . 
I notice on this letter that I do not know any of these companies and I have never done any business or contract with them and my physical signature.
Consumer complaint received 2021-04-20
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: Aqua Finance, Inc. (TN)

I have disputed directly with the creditor ( Aqua Finance ) REGARDING AN ERRONEOUS Account they have been reporting on my credit report for over 1 year. 

I opened 1 account with this company and after disputing it with them directly. They claimed to have done an investigation and verified that all information is correct with the credit bureaus, when it is not. 

They also fraudulently opened a " new account '' claiming to have " re-booked '' an older account but with new terms and conditions which I DID NOT agree to. They fraudulently opened a second account nd began reporting it to the credit bureaus. 

You can see in the second letter attached dated on XX/XX/XXXX, THEY ADMITTED TO THIS FRAUDULENT activity. 

The account reporting for both are in violation for the FCRA and as consumer they have prevented me from getting a mortgage I believe because the CRITICAL Metro2 fields are non-compliant.

The fields do not match. " Account Status '', date opened, Date closed, date of last activity, Comments, credit limit. 

Both of these accounts under the FCRA should be deleted immediately for failing to report accurate, consistent and objective information. 

this company has hurt my financial well-being and cause serious mental and emotional distress for me and my family.
Consumer complaint received 2021-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion and XXXX, I am writing you today to delete the information provided below. My FTC XXXX is attached. I have also attached my XXXX and XXXX for proof of identity. 

XXXX : Collections - XXXX XXXX XXXX - {$560.00} Date Opened : XX/XX/XXXX. 
Please delete this inaccurate account from my profile. 

Hard Inquiries - XXXX XXXX XXXX - XX/XX/XXXX Please delete this fraudulent inquiry from my profile. 

Accounts - XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Please delete this inaccurate account from my profile. 

Transunion : Accounts - XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX Please delete this inaccurate account from my profile. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Please remove these fraudulent inquiries that do not attach to an account. 

Collections : XXXX XXXX - {$520.00} Date Opened : XX/XX/XXXX XXXX XXXX - {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX - {$1300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX - {$1400.00} Date Opened : XX/XX/XXXX Please understand that I am a victim of XXXX XXXX and I demand that you comply to my request to investigate and remove these items from my credit report. I appreciate your concern to my request.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Legal Team, The collection previously deleted by XXXX XXXX XXXX  has been illegally reinserted using false, deceptive and misleading practices. 

XXXX XXXX XXXX commits false, misleading and unfair practices illegally reinserting a previously deleted collection with the same original creditor by arbitrarily reporting a false balance and account number : XXXX XXXX XXXX XXXX ; Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$2100.00} vs. the newly inserted XXXX XXXX XXXX XXXX : Open Date XX/XX/XXXX ; Account # XXXX ; Balance : {$610.00}. 

PLEASE REMOVE IMMEDATELY.
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: RC Willey (UT)

We received a statement from RC Willey reflecting activity and charges we did not authorized. We had purchased and returned some items from the store and specifically charged the purchase on our Visa card - not the store credit card. The accounts lady said she did not understand why we weren't using the store card and my wife specifically told her we wanted to pay with our Visa card for personal reasons.

We then received the statement from the store ( and our Visa statement ) reflecting the lady reversed a charge to the Visa card and then charged the store credit card, contrary to our instructions. Moreover, some of our returns are not reflected on the Visa card. 

When my wife contacted the accounting offices of the store, they indicated that return credits are reserved on the store account until other purchases are made to offset future purchase costs. This dies not make sense.
Consumer complaint received 2023-01-13
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. (TX)

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Texas XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

This chase business card was fraudulently used to make purchases without my authorization. I have already reported this to chase but they have not provided me with neither a fair investigation or corrected these fraudulent charges. The whole balance of {$5300.00} was due to fraudulent charges. Chase is also reported these fraudulent charges on my personal credit report, damaging my credit. This is my last attempt to get these fraudulent charge resolved before seeking litigation.
Consumer complaint received 2021-04-20
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-03-31
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. (TX)

I have taken out several loans with this creditor, XXXX XXXX, and they have helped me out in many ways. However, this account in particular raises more questions than answers : for one, there isn't any data reporting in the payment history section ; there are only five payments reporting in the amount of {$81.00}. The money payment on this account isn't {$81.00} ; it's actually {$37.00}. Another error on this account is that it shows a payment was made in XX/XX/2021, but there is no amount reported on the payment history. If a payment was made on XX/XX/2021, that would mean that the XXXX balance will be lowed ; however, it's the exact same balance as XXXX, which was {$150.00}. Since I am unable to speak with the representative on the phone, I have emails of a representative and myself having a conversation, per this account. That's not been paid off. I asked the representative to provide me with a statement of all transactions made towards this loan. She stated that there isn't a document that she could provide. But she did provide some information, and if XXXX was in a document, it was typed information, and that information will be attached to this complaint. The representative also stated that multiple payments failed, and I asked for a copy of that, which she has not provided me with.
Consumer complaint received 2021-04-20
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. (FL)

Accounts were paid with a pay to delete and they still have not been removed from credit bureau. XXXX has deleted. Transunion and XXXX have not.
Consumer complaint received 2021-04-19
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. (FL)

All 3 credit bureau 's are reporting 2 DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted Equifax, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached ) I contacted the BK courts this morning ( XX/XX/2021 ) to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, TransUnion can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if these 2 DISMISSED BK filings will be removed along with 2 incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXX XXXX  XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX.
Consumer complaint received 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Date XX/XX/2021 Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Credit Bureau Name TRANSUNION, XXXX, XXXX Credit BureXXXX XXXX XXXX  : Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my TRANSUNION, XXXX XXXX credit report and I notice there is an unauthorized credit inquiry made by ( ). I do not recall authorizing this credit inquiry and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Professional XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. inquiry to determine who requested this credit inquiry. 

If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am in error, then please send me proof of this. 
Thank you in advance, XXXX XXXX
Consumer complaint received 2018-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TFC Credit Corporation of California (CA)

Reference : XXXX, XXXX and XXXX # 1 XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX School opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX school. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 TFC Credit Corp This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.