davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Simon's Agency, Inc. (NY)

XXXX and XXXX are horrible and thieves, they have taken me to collections for furniture I never received, I never signed an agreement with them and it is bizarre and crazy that almost XXXX  years to the date of supposed delivery and purchase I was taken directly to collections never receiving paperwork or letters. Heres the full story back in XX/XX/XXXX I walked into a XXXX  and XXXX store and wanted to purchase a couch, I applied for progressive leasing and was approved but was told the couch was out of stock given XXXX  and delays in shipments. I left my personal information at the store located in the XXXX, NY. I never signed an actual purchase agreement. Fast forward to XX/XX/XXXX ( XXXX yr later ) I received a call from a gentleman claiming to be from XXXX and XXXX talking about a purchase done a year and how progressive leasing did not cover the purchase now imagine my surprise as ( a ) I never received merchandise ( b ) never placed an actual order ( c ) never received letters, emails nor a phone call in the year from XX/XX/XXXX to XX/XX/XXXX. I dispute this transaction and order and I was told theyd investigate, great. I follow up twice with the company and never heard back until this past XX/XX/XXXX when I get a notification from the credit bureaus about a collections account from the XXXX XXXX regarding a balance owed to XXXX and XXXX again surprised and in utter disbelief. I reach out to the collections agency and dispute the charge and of course no help! I reported to the credit bureaus and its under investigation. I asked the collections agency for proof and all I received was a copy of a supposed signed delivery receipt which is XXXX because its not my email nor my signature. I have been transparent providing affidavits of fraud, disputing the account and working with XXXX and XXXX and the collections agency to get this removed and resolved and its been XXXX. No resolution. This is theft as they are charging me for an account I never opened nor had, I am being charged and unlawfully taken to collections for a purchase that never happened.
Consumer complaint received 2022-07-26
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 submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these accounts again. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$470.00}
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (CA)

I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to Dovenmuehle who, in turn transferred it XXXX XXXX on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted Dovenmuehl and they said I could fill out the forms for a refund or when they transfer the loan to XXXX XXXX, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at Dovenmuehle and XXXX XXXX over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that XXXX XXXX, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed XXXX XXXX and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX  ) The Loan may be under The XXXX XXXX XXXX
Consumer complaint received 2019-09-26
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. (FL)

i am a victim of id theft. these items do not belong to me due to fruad XXXX   XXXX XXXX/XXXX XXXX  opened XXXX XXXX {$1900.00} XXXX  XXXX opened XXXX XXXX XXXX XXXX opened XXXX XXXX {$8700.00} XXXX opened XX/XX/2010 {$4700.00}
Consumer complaint received 2018-05-12
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. (MO)

They are reporting misleading information on my credit report i have no acknowledge of these account or seen them before please remove these accounts asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Start - XXXX XXXX - I never went to college
Consumer complaint received 2022-12-16
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items in my file : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX R XXXX, TX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$7800.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX  XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-21
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. (CA)

I refinanced my home with XXXX  approx 18 months ago. XXXX  transferred my mortgage to XXXX who, in turn transferred it XXXX XXXX on XX/XX/XXXX. In XXXX of XXXX, I accidentally paid my mortgage twice. I contacted XXXX and they said I could fill out the forms for a refund or when they transfer the loan to XXXX XXXX, they would tell them that my first payment was due XX/XX/XXXX. As you'll note from my emails this did not happen. In addition to the email, I have talked to someone at XXXX and XXXX XXXX over 15 times since XXXX. 

Each time, I would say, " I need this resolved and I'm worried that this will reflect my credit ''. I was assured it would not affect my credit while it was being investigated. 

Because I was being told so many different things from so many different people I decided I couldn't trust what I was being told so in XXXX, I paid the mortgage payment that I didn't owe just to prevent any future problems. I have owned my home for 30 years and have never missed a payment. 

I just received notice from one of my creditors last week that XXXX XXXX, had, in fact, put a derogatory " missed payment '' on my credit report. My score immediately went down over XXXX points. 

I have emailed XXXX XXXX and talked to a service rep. They have not returned my email and the service rep was going to talk to a supervisor and get back to me. They have responded to neither. 

I tried 7 on your side first and they suggested I contact you. 

Thank you. 

XXXX XXXX ( XXXX ) The Loan may be under The XXXX XXXX XXXX
Consumer complaint received 2021-07-21
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. (FL)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-07-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX and I do not have a contract with MIDLAND CREDIT XXXX plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$1900.00}
Consumer complaint received 2022-02-02
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. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-09-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (OH)

The debt that Credit Acceptance claim that I owe is $ XXXX they even added $ XXXX in interest. The total they want is {$11000.00}. This is something from XXXX. They are currently garnishing my wages as of XXXX. I received nothing from them about court. The representative that I spoke with told me that all correspondence was sent to my previous address. I only knew once they started talking my wages. I have paid almost {$4000.00} to date.
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (IL)

At approximately XXXX on Thursday, XXXX XXXX, a gentleman by the name of XXXX XXXX contacted my fiance on her cell phone. He said he was calling from XXXX XXXX XXXX and asked to speak to me. She informed the collector that I was not available. He then asked her if she wanted to discuss the matter. Without having her verify my info, he actually provided it to her ... He proceeded to tell her about a debt that I owe to XXXX XXXX regarding a XXXX XXXX account. She offered to make payments of XXXX dollars monthly and he told her that that amount was not good enough and that it would take forever to pay off. He then told her about other things that I was making payments on that seemed to be in good standing and could n't understand why I could n't be in good standings with them. My fiance was upset and did n't understand why he was bullying her about other bills. He disclosed my information to someone who is not even on the card and has no affiliation to the debt owed. He violated my rights and upset my 6 month XXXX fiance who was just trying to get us back on track with payments.
Consumer complaint received 2023-02-10
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: Regional Management Corporation (VA)

Unauthorized credit inquiry into my XXXX credit report. My report was locked. I rexeived a letter stating they required me to unlock and provide additional information. I did not comply or respond. 

The inquiry is unauthorized and not legal
Consumer complaint received 2017-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX XXXX # XXXX case numberXXXX XXXX-was paid in full in the amount of {$3700.00} on XXXX XXXX, 2017. I received a letter dated XXXX XXXX, 2017 from IQ Data International Inc. Account # XXXX-Account XXXX Account representative XXXX XXXX stating that I owe XXXX XXXX XXXX {$3000.00} even though the balance of {$3700.00} is paid in full on XXXX XXXX, 2017. On XXXX XXXX, 2017 the Superior court of XXXX XXXX Acknowledgement Satisfaction of Judgement that the balance to XXXX is paid in full. Therefore, this debt should be removed from all Credit Bureaus XXXX, XXXX and XXXX
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

I processed a wire transfer for {$10000.00} from Wells Fargo to XXXX XXXX, XXXX, via Wells Fargo online portal, on XX/XX/2021. I was charged {$30.00} for one day transfer, I believe. The transaction posted on my account the very next day. However, the receiving party never received it. I was told to wait for 5 business days for it to go through. I waited till XX/XX/XXXX. It was still not received. I went into the local branch to start a wire claim. I spoke to XXXX XXXX ( a personal banker ). He initiated the claim and provided a claim number. I was told to wait 10 business days. He said we would be contacted either by phone or by e-mail. To this day, no communication has taken place from Wells Fargo, except for when we called in. 

I waited till the 11th day and called to check on the wire investigation. I kept getting a run around between online fraud and online non-fraud departments. Nobody was able to tell me anything about the investigation or where my money was. Finally, I went into the local branch again to speak to XXXX XXXX. He also had to call customer service and they kept transferring him between agents, without a straight answer. By this time, I have waited more than half a month for my money to be returned or found, as it was never received by the recipient. He said he escalated the matter to the resolution team. I was told to wait 3 additional business days. It has been 3 business days and I have yet to hear back from anyone. It would be exactly one month tomorrow since I had first initiated a wire transfer. I have not heard from anyone or received a refund. 

I am seriously concerned as to where and how they lost my money. XXXX is a big amount to me. I need it found and returned.
Consumer complaint received 2021-04-14
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: Lending Club Corp (OH)

On XX/XX/XXXX, I refinanced my XXXX XXXX XXXX with XXXX XXXX. XXXX XXXX paid off my existing car loan to Lending Club. As of today, XX/XX/XXXX, XXXX XXXX has yet to receive the title. Because of this XXXX XXXX can't list itself as the Lien Holder on the title. 

According to XXXX XXXX, they contacted Lending Club 3 weeks ago and were told that it would be sent. I called two weeks ago and was told to give it more time. On XX/XX/XXXX, I was told to allow for 7 to 10 days. This loan was paid off in XX/XX/XXXX, and the title still has not been sent four months later. 

Now I am attempting to sell the car and can't because XXXX XXXX can't release a loan on a title that they are not listed as a Lien Holder.
Consumer complaint received 2015-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion did their investigation and came back with updated information. Well I called the creditiors which i will list and they all came back and said they have no information on file. how did Transunionninvestigate without calling the creditors to see if this was my account. Also in 2013 i was a victimn of ID Theft which Transunion could havedid a better job at investigating the inaccurate information because it is still on my file. 
1.XXXX spoke with XXXX @ XXXX Account # XXXX ( no record ) 2.XXXX spoke with XXXX Employee i.d . # XXXX @ XXXX Account number is XXXX ( No Record ) XXXX XXXX this is the same creditior so its being repored twice. 
3.XXXX spoke with XXXX @ XXXX Account # XXXX ( no Record ) 4.XXXX Account # XXXX. I have also enclosed a letter from them saying for you all to delate this off of my credit file immediately.
Consumer complaint received 2021-03-09
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

NISSAN MOTOR ACCEPTANC Inquired on XX/XX/2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

There is a credit reporting agency claiming I owe {$3200.00} on my credit report this month!! I dont owe it!!! There is a flag on my account to confirm identity. XXXX credit agency has never contacted me!! 

XXXX XXXX XXXX  reports from 7 years ago I owe {$420.00}, they went as far as showed payments - I never made payments - its not my account!!! 

Ive contacted both companies who cant prove its me and I cant prove its not me!! I have no paperwork or evidence for credit I dont have!!!! 

You did nothing when XXXX stole {$2500.00} from me so I doubt you will do anything now!!!! Im sick of big companies stealing my life!!!! My credit is perfect and I pay all my bills!!!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

please remove fraudulent/ unauthorized inquiry from XXXX XXXX on XX/XX/2022 off my report or provide proof in writing within 30 days
Consumer complaint received 2021-07-21
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: OneMain Finance Corporation (GA)

ONEMAIN Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Auto Financing Companies Contact info XXXX XXXX XXXX XXXX, AZ XXXX To whom it may concern : I have been contacted by your company about a debt you allege I owe.

I am instructing you not to contact me any further in connection with this debt.

Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.
Consumer complaint received 2023-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.