davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of 2018. These accounts are, XXXX XXXX account # XXXX XXXX & XXXX # XXXX TransUnion XXXX XXXX account # XXXX XXXX & XXXX & TransUnion
Consumer complaint received 2018-12-21
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. (CA)

The following account was fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the item be blocked to correct my credit report XXXX/XXXX XXXX
Consumer complaint received 2018-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (PA)

Calling 3 times a day from XXXX during work hours. This could jeopardize my employment and needs to stop immediately. They called at XXXX XXXX  ; XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; and XXXX XX/XX/XXXX and do not leave a message. This harassment is unacceptable. I have no account with this company as upon looking up their name they are Receivables Performance Management.
Consumer complaint received 2023-03-10
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. (DC)

I WAS LOOKING OVER MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY REPORT ( XXXX XXXX ). I DISPUTED THESE ITEMS WITH THE CREDIT REPORTING AGENCIES TO NO AVAIL. I FILED AN IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT AND THEN SAW THAT THERE WERE MORE ACCOUNTS ADDED AFTER THAT. SO I THEN FILED ANOTHER POLICE REPORT ( XXXX. XXXX ). 

ACCOUNTS ARE BUT NOT LIMITED TO : XXXX XXXX XXXX XXXXXXXX XXXX  ( TWICE ) XXXX XXXX XXXX XXXX XXXX THERE IS ALSO A XXXX XXXX XXXX XXXX ACCOUNT THAT I DISPUTED WITH ALL THREE CREDIT REPORTING AGENCIES NUMEROUS TIMES. THIS ACCOUNT HAS BEEN REMOVED BY TWO OF THE AGENCIES ( XXXX XXXX XXXX ). Experian HAS REFUSED TO FOLLOW SUIT. AS THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT.
Consumer complaint received 2022-03-16
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: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX more than 21 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANCO POPULAR DE PUERTO RICO (MA)

Since XX/XX/XXXX I have been asking for the legal documents that established the terms and conditions of my mortgages where I appear as co-participant. I did receive one of them but the other was never sent it to me. Instead they send me an statement letter without any customer friendly information. I have called again in XX/XX/XXXX and requested the documents again. They stated at that time that the request was wrong because I used the term buying instead of refinancing documents. At that point they reported that they will send the documents on XX/XX/XXXX. Today, XX/XX/XXXX I called them again since I have not received the documents requested. This time they stated that they do not have the documents and that I will have to call the notary who notarized the documents in XX/XX/XXXXin order to request it from his office. It should be noted that this mortgage went to a modification process that I did not participated. However, I continued to be responsible for the payments but they have failed to provide the statement that I have signed and that makes me responsible in the credit report. If it is possible, I would like to speak to an Spanish speaking agent. Thank you.
Consumer complaint received 2023-08-01
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. (CT)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current (MI)

On XX/XX/XXXX I did a cash out on my XXXX XXXX of {$40.00} after their fee it was XXXX I believe to my current account it was supposed to be instantly deposited they didn't get instantly deposited couple days later XXXX XXXX gave me the feedback never received the money in my current account still have not received the money in my current account they say they know nothing of it XXXX XXXX I have stated it was confirmed it was sent it was received Visa confirmed it current does not want to give me my money or do anything about it
Consumer complaint received 2022-08-17
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. (PA)

I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (DC)

I was furloughed due to the government shutdown and though I contacted all of my creditors to make payment arrangements I have continued to receive decreasing scores and inaccurate information from several creditors on my credit report.
Consumer complaint received 2018-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX  N/A XXXX  : XXXX, XXXX  Transunion:XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX XXXX : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX   : XXXX  Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation (TX)

I have asked this company on SEVERAL occasions to stop calling me, and if they must, to not do so before XXXX as Im asleep from working nights. Not only do they still call before XXXX, theyll call me from private or restricted numbers and hang up, call me from personal numbers and hang up, have called me and not said anything and hung up, will call and let my phone ring once or twice and hang up. And every time I call back with screenshots and voice recordings they play ignorant. Theyve been threatening me and my personal well being, and calling me 6+ times a day. I feel like Im being harassed and that I may have to soon change my number to get it to stop.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: OLD NATIONAL BANCORP (IL)

In XX/XX/2023 I joined Old National Bank ( ONB ) as a XXXX XXXX XXXX. Upon completing my onboarding paperwork, I was advised in order to receive direct deposit for my pay that I was required to open an account with ONB. ( XXXX is the payroll processor for ONB ). The only alternative ONB offers is to mail your paycheck. This account requirement causes significant hassle given external bank transfers need to be made to satisfy bills and other expenditures where those accounts are registered. I had to move my paycheck every Friday from ONB to XXXX via XXXX transfer. Luckily, the daily limit for XXXX did not negatively impact me. XXXX I further believe ONB 's employee checking account requirement falsely inflates their number of customers. There are roughly 4,000 employees at ONB equaling an additional XXXX deposit accounts that were not intended to be opened by the employee if it were not for the bank 's requirement. It does seem to be a potential Reg E violation, though I believe Reg E states an XXXX  can not force you to have an account for employment itself. XXXX Please note I have since left the company but do wish to file this complaint as the mandate is still in place.
Consumer complaint received 2020-09-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Fleet Financial, Inc. (MS)

I received a email from iLendingDIRECT stating they had pulled a credit report on me, did a hard inquiry and denied me for an auto refi. The problem is I never applied to them for a loan, never wanted a loan, and never gave them permission to consider me for a loan or pull my credit report. I have never had any dealings with them, never contacted them and certainly never asked them for a loan. They did call me wanting to give me a loan and I told them under no circumstances was I interested and to not contact me again.
Consumer complaint received 2020-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2020, I received a text message from phone number ( XXXX ) XXXX from Capital One stating my credit card was locked and instructing me I had to call that number for it to be unlocked. Unsure of the source of the text my husband and I, who are joint account holders on the account, jointly phoned the number on the back of the card for assistance. A representative stated the account was restricted and until they received identification from an account holder they could reveal no further information. They indicated we would receive an email within 7-10 minutes with a link to follow for further action. We never received the email so called back 30 minutes later and spoke with another representative who did send a link we used to submit a copy of photo identification. Hearing nothing for 24 hours we called back on XX/XX/2020, and provided a case number. At that time we were told that although they were in receipt of the photo identification the account was still restricted, they would try to let us know something within 7-10 days, and if we did not hear anything by then we should call back to see if anyone could share information about the reason for the restricted card. 
On XX/XX/2020 I received a phone call on my home phone from a man named XXXX with the Capital One regarding fraud and our restricted card. I identified myself as a joint account holder but he stated that he could not discuss the matter with me and needed to speak with my husband. I attempted to ascertain why I could not receive information about my account but he refused to provide an answer other than he needed to talk to my husband. I expressed my frustration that as joint owner of the account my expectation and legal rights permit access to the account but he insisted that he needed to speak to my husband. I took the information and before my spouse could call Capital One my cell phone range and it was XXXX looking for my husband. I advised he had reached me, an owner of the account, the same person who received the original message about the restricted account, and the woman he just spoke with. Again, he would not provide any information about my account stating he needed to speak with my husband. 
As an XXXX  I am aware of my rights as an account holder. To be denied access and told information can only be provided to my husband reeks of gender discrimination. I am disappointed and we will be closing all our accounts. 
Please review this conduct and advise Capital One we are no longer in the XX/XX/XXXX.  When joint owners are a married XXXX couple both owners have equal access to their joint account information. As a joint owner on the account I should not be denied access to account while the male joint owner is given access.
Consumer complaint received 2018-12-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (IL)

I lost my job and got another job.I am trying to get back on my feet., the company start garnishing my wages without me knowing. I do not made enough money and I have to take care of my child and live.
Consumer complaint received 2018-12-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (CA)

Back on XX/XX/, I disputed the balance of {$780.00} that took place at the XXXX XXXX XXXX. I spoke to a collector trying to solve the problem by making an offer, but they declined my offer so I filed a dispute after that. When I spoke the collection agency or XXXX XXXX XXXX, they agreed to freeze my account until they resolved they issue for the payments I provided to the XXXX XXXX XXXX on XX/XX/XXXX for {$300.00}. The {$300.00} I provided cash to XX/XX/XXXX office, I made a mistake of not asking for a receipt that day because I was upset for the unexpected fees that I wasnt notified for. After that, I dont know what money has been credited to my balance, all I know is that I am in collections for fees that I wasnt aware of. XX/XX/XXXX XX/XX/XXXXsupposed to stop the late fees after I disputed the account because thats what they agreed to, but they didnt do it they kept on adding fees to my account which is making it more difficult for me to pay it off.
Consumer complaint received 2018-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (CA)

I have tried to call Conduent for a month since XX/XX/2018. I wrote a letter to the address listed on my statement and the letter was returned! All of the numbers I have tried for Conduent are disconnected! Is this company a scam? I don't know. How do I get ahold of the company?
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (CA)

Two investigation fees were charged to my account on XX/XX/2018 for {$400.00} and XX/XX/2018 for {$150.00} because they said they could not locate the car. The car is driven by my son who resides in XXXX and I reside in XXXX. I was never told that these fees would be charged in any of my correspondence with Honda Finance representatives and they will not take these fees off my account.
Consumer complaint received 2019-01-16
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

XXXX XXXX and One Main has a hard inquiry on my credit report and I have nothing at all to do with either company. No credit card, no loan, never had any business with either company. Where did this come from and why is it on my credit report?? I want it removed from my credit and an answer of how it got on my report!
Consumer complaint received 2019-01-16
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: Experian Information Solutions Inc. (NY)

In the month XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.
Consumer complaint received 2018-12-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (HI)

I had paid off my loan and canceled my auto draft service prior to XXXX due date. Navient still pulled the auto draft after cancelation and pay off. Called to get money returned and was told they couldnt without my bank statement??? Wanted me to send them a copy of??? No thanks. Then was told that the manager is overriding to re-deposit into my bank account. Would be returned in 10 days. Logged on 15 days later and still no return but their website now says I am owed nothing. So I call to see what happened and now they said I would get a check in 30 buisnesd days!!!! How are they even allowed to take money when a loan balance is XXXX and the auto was canceled. Seems like they stole my money to me!
Consumer complaint received 2018-12-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

PAYMENT DISPUTE Specialized Loan Services " hereafter Lender '' XX/XX/XXXX : On or about XX/XX/XXXX, i made my monthly mortgage payment. Lender notified me that they did not receive the payment. I provided lender all evidence which included a money order and proof of it being cashed. While the matter was being investigated by lender, i decided to pay to avoid additional penalties. 

XX/XX/XXXX : On or about XX/XX/XXXX, i made my monthly mortgage payment. Lender notified me that they did not receive the payment. I provided lender all evidence which included a money order and proof of it being cashed. While the matter was being investigated by lender, i decided to pay to avoid additional penalties. 

XX/XX/XXXX : The lender acknowledged of error and applied both the above payments towards interest. 

My issue : I would like the lender to return both payments to me instead of applying towards my interest, as I was forced to borrow the money to avoid a foreclosure for an issue caused by the lender.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (MS)

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
These item ( s ) showing 30/60/90 days late payments are inaccurate because the vehicle that was financed by Ally was totaled by XXXX insurance on XX/XX/XXXX. 
Ally voluntarily stopped drafting my checking account for payment. I contacted Ally on several occasions once they reported me 30 days late and was assured no payment was required of me and that the late payment status would be removed from my credit report. 
Ally has made no attempt whatsoever to collect payment from me in any way. 
Please remove these items from my report. 

. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

To whom it may concern, I recently discovered XXXX unauthorized hard credit pulls on my credit reports. XXXX with XXXX and XXXX with Equifax. 

All XXXX requests were made with XXXX XXXX, where I have a longstanding financial relationship but I DID NOT seek credit or authorize a hard pull of my credit reports in these instances. After the credit bureaus summarily dismissed my disputes, I contacted XXXX XXXX, which says they have no record of my applying for credit on these dates. So now I am stuck with these hard inquiries that may or may not be the result of a fraudster using my personal information. 

I have initiated a credit alert to avoid further damage. It may be just an honest mistake at the bureaus, but my credit score is now hurt as a result of these unauthorized credit pulls. I need them removed. XXXX bureaus refuse to do so and will not provide any information as to how they deemed these inquiries to be legitimate.