davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-29
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. (NY)

Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due since XX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with Equifax and XXXX by submitting a dispute. Nothing changed. I tried onXX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.
Consumer complaint received 2018-04-29
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. (NY)

Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX. I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due sinceXX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with XXXX  and TransUnion by submitting a dispute. Nothing changed. I tried on XX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group (IN)

ACCOUNT ADJUSTMENT BUR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has reported a charged-off account in the amount of {$900.00} to the credit bureaus and is causing a negative effect on my credit report. I do not know this company. I have never done business with this company. This company doesn't have a contract with my signature.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to formally dispute and request the removal of inquiries from my credit report. Upon careful examination, I have discovered several inquiries listed under my name that were not initiated by me. These inquiries are indicative of identity theft or unauthorized access to my personal information.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have already filed a dispute with Equifax about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter.
Consumer complaint received 2022-06-13
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. (NJ)

I did not consent to nor did I authorize the below information to be reported on a consumer report about me : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. These inquiries were Not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX. 

Your company do not have my written instructions to furnish a report on me. Correct this issue by deleting the about accounts and inquiries or else I will file suit in the United States District Court.
Consumer complaint received 2022-08-26
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bierer Law Group, P.A. (MD)

In XXXX I co-sign for a private student loan. The loan fort payment was due XXXX of XXXX. The individual I co-sign was still in school and didnt graduate until XXXX of XXXX. 

They sued us in XXXX for the private student loan. In Maryland the statue of limitations you can not sue after 3 year. 

Now they have garnish my wage on a default judgement that they knew was illegal because if the statue of limitation. 

I have to pay back three different private student loan that XXXX XXXX XXXX XXXX XXXX brought from the original creditors. 
It going to take me over 15 years to pay it off or I have to file for bankruptcy. The courts are not upholding the law by allowing debt collections agencies to count you dont know the law and count you know showing up for court for these judges awarded the a default judgement. And there is nothing you can do. So the statue of limitations has no bearing on this cases.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Santander Consumer USA Holdings Inc. (TX)

This account was opened fraudulently I have reached out directly to Santander and was told on XX/XX/XXXX 2020 they responded back to credit bureaus to stop reporting this account but it is still negatively reporting on my report which is preventing me from being approved for different services.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

My name is XXXX XXXX. On XX/XX/XXXX I purchased a vacation package ( flight & hotel ) for {$1800.00} to XXXX XXXX. As the pandemic was unfolding XXXX emailed me and said they canceled my hotel and I should contact my credit card holder for assistance. Then 2 hrs later XXXX canceled my flights. XXXX refunded my flights to XXXX. Immediately, XXXX 's on line site went down and phone lines had the recording stating the same as the email I received. I am on my 3rd round of disputing this charge with CITI Card at billingdispute@citi.com. I started my dispute XX/XX/XXXX. On XX/XX/XXXX I called on the dispute cause I had not heard anything for 2 months. I was told they notified me they needed more documents. I said I had not received an email or phone call. They said they notified me on their on line site under e-communications which I knew nothing about this link! I would have monitored it if I did! I mailed all the docs they said they needed on XX/XX/XXXX. Yesterday XX/XX/XXXX I went on line and it said it was ruled in merchant 's favor. I called and asked HOW did they determine that? Again, they needed more docs!!! Everything they asked for again I had provided and they said it was not there! This time they also wanted a letter from me stating I had received no funds or compensation in any way for the trip. Last night ( XX/XX/XXXX ) I emailed everything this time so I can pull up the doc to show them it is provided!! Now waiting for round 3. It is dispute no. XXXX with CITI BECAUSE of charging me and no delivery or refund from XXXX
Consumer complaint received 2019-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have explained to Transunion that they are reporting an incorrect balance for XXXX/XXXX. They are not updating this account monthly as they should. The balance on this account is {$0.00} not the balance that they are showing in the amount of {$93.00}. Please update this account to show the correct balance.
Consumer complaint received 2019-03-27
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)

This is an attempt to correct my XXXX, TRANSUNION, and XXXX credit report ( s ). I have identified fraudulent accounts. Please block the accounts listed below : XXXX XXXX : XXXX - {$190.00} I C XXXX XXXX : XXXX - {$560.00} These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. These accounts are unverifiable and violate my consumer rights.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (AZ)

American Express Executive Platinum promises {$200.00} in credit on XXXX XXXX ancillary purchases each year. I made a {$50.00} qualifying purchase in late XXXX, and then canceled the card. They billed me for the purchase and refused to give me the credit. I filed a dispute in XXXX. I have asked several times about the status of the dispute, and all I am told ( with online chat ) is that the department that handles such problems can't be reached in person, either by me or by other AmEx employees. Today I was told that disputes are resolved in three billing cycles. It has been four. Every month I receive bills for {$50.00} stating " Pay Past Due Amount Immediately '' and " you may be charged a late fee of the greater of {$38.00} or 2.99 % of the past due Pay In Full amount if your payments is not received by the Next Closing Date. ''
Consumer complaint received 2022-02-15
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. (MI)

Hi I am submitting this XXXX XXXX without 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 XXXX. 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 XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE
Consumer complaint received 2018-04-28
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. (TX)

I applied for an auto loan with XXXX XXXX XXXX XXXX -- the response came back as a denial letter saying I have an eviction on my credit file also my credit score is XXXX. I have a credit monitoring service from experian and it shows I have a credit score of XXXX -- this does not include a paid 2 accounts and the XXXX account that is 75 % paid and when I called she said she could not changed what was onmy report. Again Experian needs to be accurate about what they are sending out. If I have an eviction on my report I need to know about it that is the reason for the credit monitoring so I can see what is on my report and who is sending what. I should not have an eviction on my report. I have enclosed a copy of XXXX XXXX response also a copy of my most recent report.
Consumer complaint received 2022-06-15
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. (FL)

XXXX  violated my rights 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692b ( 4 ) not communicate by post card ; 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( b ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1679c ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

i recently reviewed my credit report and i seen there was a account that i did not apply for or authorized which violates my consumer rights under 15 USC 1861b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and i want this off my report immediately because it has a negative impact on my report
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (FL)

I had a late payment in my Credit Report due to an error to my bill pay, I called the lender to explained them and they requested proof. 

TD Bank had told me that if I could get a letter from the bill payment company detailing their error, TD would remove the delay from the credit report. I have sent letters to the bill payment company explaining their error but have not received a response. 

The accounts involved are the following : Account number : XXXX XXXX XXXX XXXX Open date : XX/XX/2009 Balance {$0.00} Account number : XXXX XXXX XXXX XXXX. 
Open date : XXXX XXXX.
Consumer complaint received 2020-01-31
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. (ND)

Experian is refusing to provide proof of the debt owed that was remitted to them via a company by XXXX XXXX in XXXX, North Dakota. I have tried numerous times to gain compliance from XXXX XXXX to no avail. They refuse to respond to legal documents, certified letters and so forth. They are refusing to provide any proof of the debt owed not only to me, but to Experian as well. There is over {$11000.00} in unverifiable debt not only on my report, but my husband 's as well as they are claiming that this is joint debt.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (IL)

I have no acknowledgement about and also im going thru the identity theft as of now. 
Grant Mercantile agency, stating account is XXXX is the place saying i owe them i have no acknowledgement of this debt and never used them and i would like them to stop it
Consumer complaint received 2022-06-15
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: GOLDMAN SACHS BANK USA (NY)

My phone was stolen morning of XX/XX/2022 and the thief downloaded an Apple Card in my name. I have already filed a complaint with Apple Card specialists that the card opened was fraudulent and that the charges incurred ( ~ {$4000.00} ) were also fraudulent. The thief also made fraudulent trades on my XXXX account, but nothing was withdrawn.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I made a dispute with Experian and XXXX reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Back in XXXX of XXXX  I rented a car thru XXXX XXXX Upon trying to pick up this vehicle I was informed they do not rent to Ga residents. So I informed XXXX XXXX  about this in which was stationed in XXXX and they laughed about it. I contacted my bank Wells Fargo about this and my money was refunded back to me. Now Wells Fargo is pulling out the XXXX dollars because they said XXXX XXXX sent them the terms and conditions and that since I was late picking car up they wanted there money. The man with XXXX XXXX  said he could not leave the car keys in there lock box because I'm a GA resident. I explained to Wells Fargo numerous times to please contact XXXXXXXX XXXX XXXX  and even go on there website and they will see they do not rent to GA residents. So Wells told me they would not reopen my case and they will be pulling the funds back out of my account. This is fraud at this point. I could not get this vehicle with a GA drivers license and Wells Fargo will not do anything further to help me resolve this and hold XXXX XXXX XXXXXXXX responsible. I receive XXXX benefits and I can't afford to be ripped off by my bank because they refuse to handle this case responsibly. Please help...