davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 590. 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2019-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

Contacted Helvey & Assoc via phone in early XX/XX/XXXX about this debt and informed them that it was not mine due to identity theft. Informed them that I haven't had a job since the early XX/XX/XXXX 's and would therefore not have opened a utility account that I obviously wouldn't be able to pay for since I had no job. They informed me to file a police report and a report with the FTC and send them the information. XX/XX/XXXX I faxed the Police Report, The FTC Identity Theft Report, and a copy of my drivers license to them as they requested. Showing that I had filed the identity theft and that this account was opened using my information but not by me. 

They have sent this to ALL 3 bureaus ( XXXX, XXXX & XXXX ) as of XX/XX/XXXX. I  want this taken off of my credit reports, it is not my debt and they know this.
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION (IN)

I had a vehicle loan with Pentagon Federal. I refinanced with lower interest rate with another credit union. The new bank sent the payoff to the Pentagon. On XX/XX/2022, Pentagon signed for the payoff. I received email that I was going to be turned into collections for not making my vehicle payment on XX/XX/2022. I called and was told that I had 5 days to either make a payment of clear up the problem. I finally got confirmation that Pentagon had the payoff the entire time. I was told the mail room was behind on XX/XX/2022, and that they would just put me in for a skip payment so there would be no issues with late payment concerns or dents to my credit. I shared my credit is excellent and I do not want it to be dinged due to their incompetence. I was told there was nothing to worry about. Today is XX/XX/2022. I received another email that my loan is delinquent. I called they are still behind in the mail room. They have my payoff they signed for on XX/XX/2022 ; have no idea when they will get to it but when they do if affects my credit they will call the creditors and let them know that I am not at fault. My credit will then be fixed within 30-90 days. So unacceptable! I had to report an employee that forgot to put me on hold, and mocked me when I spoke and states " blah, blah, blah, blah ''. When I said excuse me, did your forget to hit mute because I just heard every bit of your mocking me. She replied " oh sorry ''. Now my credit has been dinged XXXX  points. It was excellent prior to this. Everytime I call Pentagon Fed they hang up on me, give me excuses that they mail room is behind and now they are saying I owe them {XXXX} in interest that grew in the 30 days they had the payoff. That is ridiculous. I am not paying anything. They had the payoff 30 days ago, it should not have grew any interest! It should have been paid off the day you received the check! Please help! 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2017-06-23
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. (CA)

I inquired about an equity line of credit in  XXXX  of  XXXX  with   XXXX   XXXX   XXXX   XXXX  . On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX   XXXX  was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize any  one to u se my identity.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-09-29
Product: Credit 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: FIRST PORTFOLIO SERVICING INC (FL)

On XX/XX/2023 I made a {$41.00} payments for the XX/XX/XXXX due date with Total Visa. They requested I send proof of cleared payment. I have sent numerous documents including a letter from my bank confirming the payments cleared. They keep saying that its not suitable. They have requested a statement but thats not available until the first of the month. They have add a late fee to my account as well while Im trying to resolve this matter.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (FL)

I checked my credit report and noticed that a debt collector which goes by Bull City Financial was reporting and trying to collect on a debt that I had no knowledge about in return I contacted the original creditor which is XXXX XXXX with the information that Bull City was reporting ( i.e dates account was opened, amount and date of deliquency ) and was told there was no outstanding past due accounts. I than contacted Bull City to get verification/validation of debt and have never received any correspondence than shows proof this debt is mine nor have I received any form of documentation. I also filed a complaint with the XXXX XXXX hopes to getting this resolved and again received nothing.
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

THESE ACCOUNTS NEED TO BE REMOVED OFF MY CREDIT FILE FOR THEY HAVE BEEN DISMISSED. PLEASE CORRECT YOUR REPORTING INACCURACIES AND HAVE THOSE NEGATIVE ITEMS REMOVED.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a prepaid card from Bank of America that I get my XXXX payments on. My card info was stolen and on XX/XX/2021 someone was able to withdraw {$900.00} out of my account. I contacted Bank of America within minutes of it happening because I received a text alert and explained to them that I was at home with my card in my purse and I did not do that transaction nor have I ever let anyone else use my card. I filed a claim along with a police report but they are refusing to reimburse me. This has been devastating for me and I really need help resolving this matter and getting my money back.
Consumer complaint received 2022-04-11
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. (IA)

During the last 45 days I got 6 hard inquiries regarding one of the credit bureaux ( Equifax ). From the six active inquiries, 4 of them are coming from the XXXX XXXX. The first inquiry had the aim to fulfill the process for accepting a mortgage application ( and it was authorized by writing ). Them, the rest of the three inquiries were unauthorized credit inquiries with no legitimate purpose. The second inquiry is consequence from a lack of professional competence, and the subsequent need to repeat something that has been done previously. The problem is that there is no explanation for the last two inquires and, furthermore, there is also no prior authorization. 
As you know, multiple hard inquiries spread out over a longer than two weeks period of time can significantly damage credit scores and may impact the ability to qualify for a new credit. Furthermore, legally, hard inquiries can not occur without the own permission, which doesn't occur in the last two hard inquiries from the XXXXXXXX XXXX.
Consumer complaint received 2022-04-11
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)

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : 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 XXXX XXXX
Consumer complaint received 2022-04-11
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above-mentioned Accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XXXX XXXX I was notified through XXXX XXXX  about a closed account with Capital One. All payments have been made on time through a bank account and card was being used in accordance with customer card agreement. They have initiated a letter for a fraud account which I am attaching. If it is fraud and payments being made the account should not have been closed and company should have contacted me. Capital one is knowingly causing damages to my account reducing my age of credit as this is one of the oldest accounts I have. At this time they are in violation of security exchange commission as my application has been turned into a security and this is a form of discrimination.
Consumer complaint received 2022-04-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (TX)

XX/XX/XXXX, I made a payment of {$140.00} towards my bill with acima. I talked to the rep on the XXXX of XXXX about it and I asked the rep how much was left to pay off my loan before the XXXX buy out. He told me I had till XX/XX/XXXX. I instructed him that I paid the remainder off on the XXXX. The rep said ok will I call it in or do it online. I told him online. He said ok. I then paid off the account on the XXXX and received an email that I paid off my account. Today XX/XX/22, I checked my credit history and acima was still on their but saying it was active and I owed {$1000.00}. I called them and the lies started. I was told my the supervisor that even though I paid the remainder I didn't call it in to cancel the monthly payments so they tried to pull out the {$62.00} on the XXXX and it didn't work so they reopened my account. I've worked with acima before and never had I ever had to deal with this. They said the only way I can cancel this account is to pay them {$62.00} plus {$25.00} for the processing fee even though I told someone in advance and I paid it off in full. Not to mention I didn't receive any information that a payment was declined and my account was re-opend. the supervisor said my account was " pre-closed '' meaning it's not fully closed until the account is paid off. Which, it was!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to expedite the removal of fraudulent items from my credit report. Despite multiple requests and assurances of prompt action, these fraudulent entries persist, causing significant distress and financial harm. 

As a victim of XXXX XXXX, I have diligently followed the procedures outlined by your agency to dispute and remove inaccurate information from my credit report. However, despite providing extensive documentation and evidence of the fraudulent nature of these items, they continue to negatively impact my creditworthiness and financial well-being. 

The delays in resolving these issues are unacceptable and have further exacerbated the stress and inconvenience caused by the fraudulent activity. I have made numerous attempts to communicate with your agency and have been met with assurances of swift resolution, yet the problem persists. 

I urge you to prioritize the immediate removal of these fraudulent items from my credit report and to take all necessary steps to prevent their recurrence in the future. Additionally, I request transparency regarding the reasons for the delays and a clear timeline for resolution. 

Furthermore, I expect compensation for the damages incurred as a result of the prolonged delay in addressing this matter. The financial and emotional toll of dealing with XXXX XXXX and its aftermath can not be understated, and I demand fair restitution for these hardships. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate action to rectify the situation. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file : 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 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 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX days of receipt of this complaint.
Consumer complaint received 2022-04-11
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I am filing this complaint in case other Comenity Bank card holders are having the same issue. I called Comenity Bank on XX/XX/21 when I noticed a mysterious {$.00} foreign transaction fee assessed on XX/XX/21 on my credit card statement for my Sony XXXX. Comenity agreed that the fee was strange and agreed to reverse it. They had no other explanation for the fee, so I am concerned that this might be a widespread issue. The charge is not in the purchases section of the statement but listed separately in the fees section.
Consumer complaint received 2023-06-28
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 (CO)

In accordance with the fair credit Reporting Act XXXX XXXX XXXX, Capital One Auto and XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian report number XXXX I have disputed an unverified alleged collection account, requesting verification of alleged the alleged account by providing documented evidence of a signed credit or loan application bearing my signature. Experian not only refused to provide the requested information but continue reporting unverified information on my credit report.
Consumer complaint received 2021-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I have a new hard judgement on my credit report after receiving this from Midland Credit Management. Even after paying XXXX XXXX. They even reached out to me during my Grandmothers funeral. Which I had told the same person before. They said they wouldnt contact me, now I have a hard mark on my credit report. Even after attempting to pay. They use their influence to harass and depress even more during a pandemic and my Grandmothers death. 

Per your current request, the above-referenced account has been marked Cease and Desist. While it remains due and owing, we will no longer contact you unless required by law. We consider consumer complaints a serious matter, fully respect consumers rights, and apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. This communication is from a debt collector
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.