davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-14
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: ALLY FINANCIAL INC. (FL)

i called the company on XX/XX/2019 to ask why they pulled my credit report they told me that i do not have an account with them i gave them my information and they could not tell me why. i never ask for credit from them or sign anything to have them pull my report. 

please have them delete this inquire they could not help me Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I, XXXX XXXX, am disputing fraudulent activity on all reports. I have no knowledge of these accounts. I've been reaching out for a while now. I am a victim of identity theft. I did find out that it was for a school called XXXX XXXX XXXX. XXXX XXXX has been sued for violating the law by doing illegal things to encourage students to attend their school, and that I never would borrow any money to pay for XXXX XXXX courses knowing they doing illegal things. I never attended this school. This school has lost accreditation for fraudulent activities. They were selling personal information. I've contacted XXXX who is currently reporting on my report. They are unable to provide me proof of any loan documents pertaining to this. The loan amount is totaled up to {$60000.00}. I asked that this matter gets resolved immediately with your help as I've stated to them as well. This is hindering me from actually bettering myself. This is fraudulent and I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of the company 's authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again I have no account with student loans, nor am I a customer, nor have I entered into a contract and also
Consumer complaint received 2019-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Met woman on XXXX ( via her XXXX profile ), we got a long great and she was going to give me access to 'exclusive content ' for a fee of {$75.00}. Told to send to family and friends ( which is NOT covered by paypal disputes ) to the following e-mail address : XXXX. She also told me her name was XXXX, when her name on the account was XXXX XXXX '. Once payment was sent, she stopped responding to my messages. 

If anyone out there is going to pay for any type of service like this if the temptation is that strong, make sure it's NOT through family and friends, and make sure it's through your bank account with maybe .05 cents in paypal, that way you could stop payment with your bank ( that costs {$30.00} by thew way ) and have some piece of mind. But, you have to stop that payment ASAP. So basically, be as cautious as possible when dealing with these people and don't agree to their 'terms ', because it's basically pay me so I can cut you off. 

I told paypal to flag this account, so that the name/social security number/bank account associated with this e-mail address won't be able to do this again and hopefully suffer the consequences of her actions. That's pretty much it.
Consumer complaint received 2022-07-18
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. (CA)

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the following items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Late Date XX/XX/19, XXXX  XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-09-14
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. (CA)

I believe my credit report is mixed with my sister, who shares a very similar name to me. On our credit report, we have both of our credit history on there ( including auto loans, credit cards, etc. ) Our social security numbers are one digit apart so I can imagine why the mix up happened. We have tried to contact the three credit bureaus and sent in information to prove that we are two different people but still with no results. They are also very hard to reach in general and do not follow up with us ( even though they said they would ). Our mixed credit report is blocking me from being able to change my last name ( to my husband 's ), as well as preventing our ability to buy a home.
Consumer complaint received 2019-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TRANSUNION AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE. 


US DEPT OF ED/XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX -- - NOT MINE
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MO)

Original debt was with Care Credit. Debt was charged off and sold to XXXX XXXX XXXX. Case was filed in XXXX County FL and entered mediation. Debt paid and suit dismissed. Care Credit continues to report account as currently being charged off as recently as XX/XX/XXXX/XX/XX/XXXX. Account paid and dismissed in XX/XX/XXXX. Request with credit bureaus to correct via dispute have been found in favor of Care Credit and NOT removed.
Consumer complaint received 2019-09-14
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: EQUIFAX, INC. (FL)

XXXX  HAS SOME INQUIRIES ON MY CREDIT REPORT THAT ARE NOT MINE. 

XXXX XXXX -- NOT MINE XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX -- NOT MINE XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX  XXXX XXXX -- NOT MINE XXXX XXXXL -- NOT MINE XXXX   XXXX XXXX -- NOT MINE EQUIFAX   MORTGAGE SERVICE -- NOT MINE XXXX XXXX OF -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX XXXX | XXXX XXXX XXXX. XXXX XXXX XXXX. | EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES | EQUIFAX MORTGAGE XXXX EQUIFAX MORTGAGE SERVICES | 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

From XX/XX/XXXX-XX/XX/XXXX I had leased a vehicle from XXXX. My leasing company was XXXX financial. I had a 36 month lease term, with automatically deducted bill pay. When my payments were concluded, I received an email stating that all payments were received, and I had completed my final payment in the series. XXXX reported me late during the months of XXXX and XXXX XX/XX/XXXX, however I did not have payments due for those months. Throughout the month of XXXX, I called on three separate occasions to verify if I owed any additional payment, and to clarify that I could simply drop the vehicle at the dealership. I was told that I was current on payments, and confirmed to drop of the vehicle. 

The credit reporting error came to my attention on XX/XX/XXXX I called XXXX, spoke to XXXX and her supervisor XXXX, employee # XXXX on XX/XX/XXXX. I was told that yes, in fact this was an error, as no payment was due at this time, and they would be removing the marks from my credit. 

I disputed with all 3 credit bureaus for the late payments reported in XXXX and XX/XX/XXXX. XXXX removed both marks in XX/XX/XXXX. 

My credit report on XX/XX/XXXX showed that Transunion removed XXXX but kept XXXX, XXXX removed XXXX but kept XXXX. When I checked my dispute status with Transunion, it shows n/a for both completed and results. 

Additionally, my XXXX page shows the wrong Fico score for the other three bureaus, which seems to account for the XXXX payment being removed from all 3. 

I would greatly appreciate your assistance to encourage XXXX   and Transunion to update their reports.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

File disputes with Experian and XXXX and XXXX XXXX.Two of the bureaus have deleted the information XXXX XXXX and XXXX have deleted the information Experian however refuses to do to delete and not provide correct information their only resolve is to say that the item remains without proof of verification. This bureau needs to be held accountable and needs to provide proper documentation that is legit every dispute that I submit with him they do not remove nor do they verify with proper documents.My bankruptcy was removed by XXXX XXXX and XXXX but Experian refuses to remove it from my report proof will be uploaded in a document below.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

I received in the mail a US Bank ReliaCard Debit card in the mail. Never solicited for it. I called the phone number and discovered its for unemployment insurance payment. I called XXXX to have the card deactivated. I was on hold for 2 hrs before reaching an agent XXXX located in XXXX, Florida. I advised I never filed a claim for unemployment. She deactivated the card, she advised she will mail me paperwork showing the card is deactivated. XXXX advised me to file a Police Report, file a complaint with the Federal Trade Commission, file reports of fraud with the 3 credit bureau 's and call the Colorado Unemployment and get the case closed on my name. I have a very unusual last name XXXX. I'm the only one in Colorado!! I will do some of this today and the rest I will have to do on Monday with phone calls. 
I called the XXXX County Sheriff 's Department to file a Police Report it is CT XXXX with Officer XXXX Badge # XXXX. He informed me that these people can be anywhere and to file a report with this agency as well. 
I did not activate the card, I refused to give the last 4 digits or confirm my phone number. The card was never activated. I am a Federal Worker for USPS, I know there was a breach a few years back on our information. I will be enrolling in XXXX as well for my protection.
Consumer complaint received 2022-03-19
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: ENCORE CAPITAL GROUP INC. (DE)

1. Fictious conveyance of language to constitute a fraud.

2. Wire and mail fraud.

3. Defamation/claim 4. Colluded with the credit bureaus to constitute a fraud.

5. Multiple violations the Fair Credit Reporting Act.

6. Falsification of documents.

7. For this with the claim and the original creditor.

8. Collusion, racketeering, and false name change.

9. Engineered fraud.

10. A plethora of accounts have been closed and re-opened without updating information and no explanation listed.
Consumer complaint received 2022-03-19
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-09-14
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. (NC)

Charge off from XXXX XXXX XXXX XXXX is being reported on my account multiple times. Same account is listed over and over again. Not sure how TransUnion is allowed to have the same creditor report the same debt repeatedly as if it's a new account or new information. Same account! Credit card account appearing twice on my credit report in the amount of {$17000.00}. Only difference between accounts is they decided to add a 1 before the 4. It is the exact same account opened the same month with the same amount owed.
Consumer complaint received 2023-02-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Inter-Cambio Express, Inc. (KY)

I send $1000.00 on 02/10/2023 with

InterCambio express.

InterCInterCambio express says that the money appears received but my sister has not received the money in XXXX. 

XXXX is the place where the transaction would arrive. To today XXXX has not received the order to deliver the money. 

This is the first time having issues with InterCambio express to send money to Colombia. 

Translate to XXXX XXXX XXXX XXXX XXXX  $1000.00 XXXX  10/02/2023

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 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
Consumer complaint received 2023-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MS)

my contract with XXXX XXXX was transfered to carrington mortgage a couple of months ago, a mess. my payment was XXXX per month, alot of money, but we could handle it. we got our bill for XXXX and it went up tp XXXX, quite a jump. i was told for escrow, but my insurance co has not told me any thing about such an increase and since i sign up for home stead exemption, its not my tax. seems funny, they wait until allt the interest rates go up, and then pull this.i dont like being messes over and that is what they are doing. i ask them what do i have to do to get my payments back where they were were. you cant was thier answer. i cant afford thier XXXX so i really would appreciate your help. i am XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, i gave my country 18 months and almost died therte and i dont deserve this XXXX. XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Conduent Incorporated (AL)

Yes I have money in my account and have been trying to use my debit card and it want let me says contact my bank well I have called every # on this paper from which the card came from and cant get in touch with a actual person I need access. To my money this is XXXX it needs to be fixed
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (FL)

I am suffering a hardship and dealing with raising my nephews whom were displaced as a result of Hurricane Michael this past XX/XX/XXXX. One has been sick and I was in the hospital recently as well. I got {$72.00} in fees for a {$17.00} shortage. Outrageous! I am asking for a refund of the fees.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Inquiries I did not authorize : XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX/ XXXX   XXXX XX/XX/XXXX XXXX/XXXX XXXXXXXX XX/XX/XXXX XXXX/XXXX- XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Calls were made to credit bureaus and customer service would not address incorrect information Unverified accounts : XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX  {$420.00}
Consumer complaint received 2022-03-19
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. (AL)

In accordance with the Fair Credit Reporting Act U.S.C. 1681 & Fair Debt Practices Act 15 U.S.C. 1692 XXXX  account XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 States : That a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 Section 805 A States : A debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer.

15 U.S.C. 1692 Section 806 Section 5 : Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I received an email this morning stating my email had been updated on my Experian account. Upon attempting to login, I found this to be true. I have attempted contacting Experian for almost 4 hours, upon every phone number they have listed onlilne, as well as trying to reach someone through XXXX but with no luck. I have tried an online freeze of my accounts, as well as attempted to do this over the phone, and both ways fail. At this time, someone has applied for about 6 personal online loans using my credit report info from Experian, and I can not stop this.
Consumer complaint received 2020-08-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (TN)

Hello, I received the following emails along with the applicable amounts. I have also attached the emails as well as my response to both emails received. 

XXXX Fri, XX/XX/XXXX, XXXX XXXX  OUTSTANDING AMOUNT : {$890.00} Legal Proceeding XXXX Tue, XX/XX/XXXX, XXXX XXXX  OUTSTANDING AMOUNT : {$970.00} Action that this creditor took was : Send the above email with threatening words in the attached emails. On Saturday, XX/XX/2020 a Process Server came to my home and put a notepad note ( Also attached ) on my door stating criminal offense, obstruction of justice wordings. I do not appreciate this type of harassment over a bill that could amicably be resolved. Harassment and threatening is a violation and I do intend to sue unless this type of behavior is halted immediately!
Consumer complaint received 2019-09-14
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

i called the company because i did not ask for credit from them they have an inquiry on my report with 3 credit company, when i called its a advertisement for tv 's or XXXX XXXX XXXX   cable and wanting to sell you something, there no way to speak to anybody other than a sales rep. 
im trying to have this deleted from my credit report '' s this is a complaint. HELP. 

Coaf XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

I refinanced my loan and the funds came out of rescission on the XX/XX/XXXX, the title company wired the funds to the lender on XX/XX/XXXX for the payoff but they had transferred the servicing to loan care at this time. So onXX/XX/XXXX XXXX wired the funds to Loan care. On XX/XX/XXXX I called Loan care and they could not find the wire so I called XXXX back and they again confirmed that they wired the funds to Loan care on the XX/XX/XXXX. I was told I had to get the wire confirmation from the title company to help Loan Care located my funds, which I did and they were able to " find '' them. They told me the payoff would post that night on the XX/XX/XXXX. I told them that they needed to backdate the payoff for the date that they received the wire, and not the day that they found it. They said they do not have to and wont. I asked to speak to a supervisor and he agreed that the payoff did not have to be backdated. The funds were originally received for the payoff on the XX/XX/XXXX by XXXX and sent to Loan Care on the XX/XX/XXXX. I should not have to pay interest because they couldn't find my payoff.