davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. XXXX has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration. These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.
Consumer complaint received 2021-11-16
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. (GA)

In the month of XXXX, Experian moved my positive status of my student loans with XXXX XXXX XXXX and XXXX, placing 10 loans from each educational holder under my bankruptcy. Experian also reported all these loans as negative. I made three disputes online without them correcting the issue. I made contact with a direct agent on XXXX, who agreed that this was a mistake. The agent completed a dispute herself as I spoke with her on the phone. She apologized, stating she did not know why this occurred. All of my loans are in Income based repayment and have not been late with either. However, Experian has them listed under the individual loan holder and not the two companies that carry all of them together. I have mailed in proof as well without this being corrected. My bankruptcy has been finalized since XX/XX/2019 and at no time education was part of it. Experian had made this mistake and is furthering damaging my score monthly with their mistake in reporting. 
There is also a XXXX XXXX XXXX account in collections listed that was part of the bankruptcy. I have completed three disputes for this as well as sent the documentation to XXXX XXXX XXXX  and Experian. Experian is the only credit bureau I am having issues with in false reporting. Due to their mistakes, my home buying purchase has been halted. This is unfair because I have had no negative things on my report since bankruptcy. I have worked very hard to keep my credit in good standing and to have an agency not correct their error after all these attempts is frustrating. Please help me with this matter.
Consumer complaint received 2021-11-16
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. (NY)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-04-15
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (AZ)

I have tried contacting GM Financial regarding an old account I had with them for a leased vehicle. I returned the car on time and they say I owe money on over milage but they never gave me a form or contract to sign stating this. I have called and tried to request this form or contract and they say they dotn have one to give me. They also refuse to close the account on my credit report which marks me late or no payment if I dont pay them over {$400.00} a month. They do not send me monthly statements and never call or email me for payment. If I owe them money for over mileage, I need a form or contract stating this and agreeing to the terms of the payment. I have asked to speak with a manager several times, and they transfer me and I stay on hold for over an hour and still no manager comes to the phone or picks up the call.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-08-03
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Student Loan Care, LLC (CA)

XX/XX/2017 I made a mistake of taking services from a company called Student Loan Care LLC. They charged me XXXX dollars a month to lower or erase my debt but I found out later that they can't do that. I am stuck paying them and my credit score is not good cause of there account. I need help.
Consumer complaint received 2021-04-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have been trying to get XXXX  and Equifax to remove XXXX # XXXX a collections that is over 7 years. I have sent them both dispute letters months ago and nothing so far. I don't understand why this is still on my report when it over 7 years old. I hope you can help me with this matter and get this off my report.
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have been trying to correct my credit report for several years. Most recently, I discovered in accurate information on my credit file. Experian has 8 name variations listed on my credit report. I submitted disputes in XX/XX/2019, XX/XX/2019 and XX/XX/2019. I spoke with two representatives today, XXXX within the Impact Team and XXXX on the Fraud Team. Both informed me that they could not correct or remove the various names because they were being reported by creditors. I explained the name variations should be removed because I have only had two legal names verifiable by the Social Security Administration.  These would be my given birth name and married name ; any other variation would be incorrect and would need to be removed from my credit file. Both representatives refused to address this issue. I was informed that I would have to wait for an investigation to be completed to determine if any changes would be made. In addition, I explained to both representatives that the name variations were most likely the result of identity theft of which I provided a copy of the identity theft report and affidavit.
Consumer complaint received 2020-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo would not allow me to pay my loan with my XXXX Checking account online. I tried to make the payments with checks and they never processed those. I called Wells Fargo and told them of this issue an they stated they would launch an investigation. While they were " investigating '' they said my checking account was a credit crd and then they reported delinquency on my credit report stating that I never bothered to make payments. This information is false as I had reached out to them numerous times and every person I talked to was " unable '' to help me. The missed payments is an error on their end and I should not have to bear a horrendous credit score because they refuse to correct their own mistakes. 

The response to my first formal complaint was ridiculous. They never sent me any letters. They do not send certified mail, therefore they can not prove that they sent me anything. Furthermore, they did not address their failure to log in the numerous calls that I have made when I tried to get the issues resolved in XXXX. This is there doing and I want every person that I have spoken to fired.
Consumer complaint received 2019-08-03
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. (FL)

Experian currently reports two outdated, delinquent accounts. The original date of default for each account is XX/XX/XXXX, more than thirty years ago. 

The amounts of the original debts are {$1500.00} and {$2200.00}, respectively.

These accounts are reported in contravention of the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 4 ), which prohibits the inclusion of " Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' [ 15 U.S.C. 1681c ] In XX/XX/XXXX, both items were disputed with Experian. Experian 's response was to " confirm '' the information with the collection agency and to continue to report the outdated information on my consumer credit report in violation of the FCRA.
Consumer complaint received 2019-10-18
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. (MI)

On my Credit reports XXXX XXXX XXXX, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.
Consumer complaint received 2019-10-18
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. (MI)

On my Credit reports XXXX XXXX XXXX, reported as of XX/XX/2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my XXXX XXXX credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.
Consumer complaint received 2021-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hi Transunion has a 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 XXXX. Transunion has me at a score around XXXX. That is a huge difference. experian 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 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 accounts 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 10 times. XXXX  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 two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-11-16
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: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal mailed out my Visa Platinum card and either it was lost in the mail or they had mailed it to the wrong address, I did not receive the card and fraudulent transactions were made on the card by some unscrupulous person in the amount of XX/XX/2021 {$3200.00} XXXX XXXX XX/XX/2021 {$1000.00} XXXX XXXX XXXX I contacted Navy Federal Credit Union and they refused to do a adequate fraud claim. I called both companies my card was fraudulently charged at and they agreed to refund the money if they receive contact from Navy Federal Credit Union but instead they disrespect me and hang up the phone on me when I call and saying I have to pay the fraudulent claim. It is terrible over there. The credit union misled me about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting me and also canceled my Visa signature rewards card without me knowing.
Consumer complaint received 2021-11-16
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. (LA)

I, XXXX XXXX am submitting this on my behalf and no third party is involved. 

I, XXXX XXXX has noticed that Transunion has reported an adverse account on my consumer report. I have a right to privacy and have not given Transunion direct consent to report such account on my consumer report. Transunion has violated my rights pursuant 15 usc 1681b ( 2 ). An identity theft report was filed and proper documentation has been given for identification.12 cfr 1022 regulates the credit reporting agencies. By law, these agencies must follow the code of regulations in which Transunion has not. The adverse account under investigation should have been deleted in 4 days and was not pursuant federal law. Show me validation and proof the account is valid in your response. I will not comply and accept any further objections to my request. No consent has been given to your credit reporting agency.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Agency of Credit Control (CO)

My husband and I received a letter from " Agency of credit control '' on XX/XX/XXXX of XXXX with an itemized bill under my husbands name asking that we pay off the debt of {$410.00}. We called XXXX XXXX XXXX on XX/XX/19 to pay off this debt and XXXX informed us that they sold off the account off to a 3rd party collection agency and will have someone reach out. On XX/XX/XXXX we got served with paperwork for the both of us in regards to this debt. We looked up this company " Agency of credit control '' and they had many complaints on how they collect. We called XXXX XXXX XXXX XXXX today XXXX and spoke to XXXX and she disclosed information on our account to a 3rd party with little information and she confirmed that they are a legit company. I called Agency of credit control to come to an agreement and they let me know that my new balance is now {$1200.00} due to collection and court fees. Our court is not set up for XX/XX/19 @ XXXX. I am calling way before our court date to set something up but now they are increasing my balance claiming court fees are included. Second option they gave me is {$810.00} by XXXX. They have tripled my debt and this is illegal and a huge FCRA & FDCPA VIOLATION
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: North Shore Equities, Inc. (NY)

hi i am requesting a copy of my retail installment contract including all documents signed the date of transaction, to see if repossession was lawful and legal thanks i need the itemization of the amount financed, on XXXX XXXX XXXX XXXX XX/XX/11 i called the bank and asked and was hung up on XXXX times due to the fact the XXXX who answered the phone didn't like what i said when i have a legal right to this information to please stop being XXXX  and send me my proper paperwork, OR if i never received the itemization of the amount financed i believe that would make the transaction default and none compliance with the TRUTH IN LEND ACT thanks please don't be XXXX
Consumer complaint received 2020-02-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (FL)

XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX. This vehicle was financed through Bridgecrest with GAP insurance through XXXX XXXX. XX/XX/XXXX I was struck by a deer on the way home that fully deployed all air bags on the right side of my SUV. That night I filed a claim with XXXX XXXX XXXX. The Following day I notified Bridgecrest regarding the accident and provided them with the claims number and other information. I was told that I did have GAP insurance and that they would file the claim. I would be told later in XXXX that the GAP claimed wouldn't be filed until XX/XX/XXXX. I received information that a check for {$12000.00} was sent XX/XX/XXXX, and Bridgecrest requested a 2nd check for {$180.00} on XX/XX/XXXX. Both checks would be held until XX/XX/XXXX. This resulted in a late payment. I was then notified that my GAP insurance claimed was submitted on XX/XX/XXXX and Funds was sent XX/XX/XXXX in the amount of {$3300.00}. That still to this day is not reflected in balance of the car. But this payment means the loan should have been paid in full for XXXX and XXXX. This is when I begin to panicked being that i had already invested so much money into rental cars. So I proceeded to Buy a car and had to go to an buy here pay here. Later I would find out that late payments had been attached to my credit report. after talking with XXXX XXXX I checked my account on Bridgecrest and saw that after I requested documentation, they was able to add it as pending to the account. When I called XXXX   XXXX she told me the money hadn't been sent over and that it was there. When I informed her of what had occurred she was lost for words. Now I am in danger of losing my Binders fee and my house. At this point my anxiety is a level 1000.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One Bank continues to insist that I owe them money based on no more than billing statements that were mailed to my address with my name and address demanding money owed and no proof of signatures or contractual sign agreement! Just a letter demanding I owed money!
Consumer complaint received 2019-10-18
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlas Credit Company, Inc. (TX)

Atlast loans is calling my previous employer, I no longer work there and they are continuously calling them for me. They have already been advised no to call my employer and they are calling previous employers now.
Consumer complaint received 2019-10-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LDF Holdings, LLC (CA)

XX/XX/19 @ XXXX XXXX : Was called by " Lendgreen '' rep XXXX in a demanding manner, asking my whereabouts to location. I explained that this was d/c in a BK case and rep rudely interrupted and sarcastically said he was surprised they never got the information. He tried to verify my address with an address he had on file and I declined to answer. Call lasted one minute XX/XX/19 @ XXXX XXXX : Called XXXX & attempted to speak with same rep & next rep refused to provide name & attempted to verify last 4 of social. I declined to state last 4 of SS & advised they needed to stop calling. Rep rudely demanded I tell him my last 4 otherwise he would be unable to make any changes into the account. I again politely asked for them to stop calling. Call lasted one minute.