davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Continental Credit, LLC (CA)

I decided to give this company another try after they failed the first time to provide services as advertised. I was skeptical but after seeing the results from my mother 's credit scores, I signed up in XX/XX/XXXX of this year. I shared my previous experience with XXXX, the representative who signed me up. She promised me that she would be one of the persons working on my credit file. Since signing me up in XX/XX/XXXX, I have not been able to speak with her. When I call and ask for XXXX, I either get transferred to her voice mail or am offered to speak to someone else. After using Continental for almost 7 months, I am not satisfied with the results. The representatives continue to provide me with the same information after every round of disputes are completed. I have done the majority of the work on my own. Most of my negative credit are from my student loans and inquiries so I don't understand the lack of results. All they are doing is taking {$79.00} a month to do absolutely nothing. I recently requested to speak with a supervisor to express my concerns. His name was XXXX XXXX. He apologized and also agreed that I had not been given enough information on my file to know how much progress had been made. He explained my positive and negative credit and told me he would follow up with me on XX/XX/XXXX to let me know my credit score. Since then I have not heard back from him. At this point, I want my money back. I can dispute my credit on my own and at no cost. I am disappointed once again and embarrassed that I gave this company another try to help me improve my credit score. It seems as this service is not for everyone. The information is not consistent and there is too many people working on the customer 's credit file. I want my money back and will do my own credit repair.
Consumer complaint received 2018-08-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (AZ)

I made my final scheduled payment on an auto loan with Bridgecrest ( formerly XXXX ) on XX/XX/2018, a few days before the scheduled maturity date of XX/XX/2018. When I made the final payment the agent that I spoke with informed me that I had 90 days from the maturity date to pay the remaining balance on the loan. I paid the remaining balance 84 days later on XX/XX/2018. Roughly a week later on XX/XX/2018 I pulled a new credit report and was surprised to find that they had reported 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 

At no point during the initial conversation did the agent mention that it would be reported negatively during the 90 days. I also spoke with an agent a few times during that 90 days and was never told that it was reporting negatively or that it would report negatively. After pulling the credit report, I contacted the loan company and spoke with a manager who assured me that it would be fixed. A few days later I received a credit reporting letter with an account status of " Paid / 81 days past due '' and 1x30 for XX/XX/2018. Again I contacted the loan company and spoke with a different manager that is now stating that there is nothing that they can do.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

I had an American Express Gold card for 12 years, And the past 3 years Obtain a Business Amex Card. During the pandemic the predatory lending of Amex customer service advised I open a XXXX amex XXXX and a XXXX Amex XXXX being, they were monitoring my spending habits ( Violations ) however upon opening the cards in XXXX and XXXX when I used them. I made payments to my American Express XXXX. I didnt not specify the card to be paid because there was only XXXX card that had a balance Since the Amex had Closed all of my accounts since XXXX without confirmed notification. This has become an undue hardship, it has impacted my life and way of living.
Consumer complaint received 2018-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one spark for business is showing up on my personal credit report. This is a business card that ran my company 's XXXX XXXX XXXX account to determine our credit. I have tried multiple time to have them fix this.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -1 XXXX XXXX XXXX  -2 XXXX XXXX XXXX -3 XXXX   Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Unauthorized Inquiries : 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 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 




Transunion Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX Trans Union XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX 's 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 Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-06
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: Experian Information Solutions Inc. (NY)

I contacted Experian on XX/XX/2021 about 4 fraudulent bankruptcies that are showing on my credit report. Attached are the letters I send them with the certified mail receipts. I did my research about these fake bankruptcies and I found that there is a wait time between bankruptcy filings which means there is no way that these bankruptcies are mine. These serious errors are preventing me to get necessary financing. 

Chapter to Chapter Options Wait Time Between Bankruptcy Filings Chapter XXXX to another Chapter XXXX bankruptcy 8 years Chapter XXXX now filing for Chapter XXXX bankruptcy 4 years Chapter XXXX now filing for Chapter XXXX bankruptcy 6 years ( or payment in full on Chapter XXXX repayment plan ) Chapter XXXX to another Chapter XXXX bankruptcy 2 years
Consumer complaint received 2022-02-06
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. (NY)

I contacted TransUnion on XX/XX/2021 about 4 fraudulent bankruptcies that are showing on my credit report. Attached are the letters I send them with the certified mail receipts. I did my research about these fake bankruptcies and I found that there is a wait time between bankruptcy filings which means there is no way that these bankruptcies are mine. These serious errors are preventing me to get necessary financing. Chapter to Chapter Options Wait Time Between Bankruptcy Filings Chapter XXXX to another Chapter XXXX bankruptcy 8 years Chapter XXXX now filing for Chapter XXXX bankruptcy 4 years Chapter XXXXnow filing for Chapter XXXX bankruptcy 6 years ( or payment in full on Chapter XXXX repayment plan ) Chapter XXXX to another Chapter XXXX bankruptcy 2 years.
Consumer complaint received 2020-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (CO)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I went to the emergency room for treatment. The billing went to the VA for payment. The VA didn't pay and I didn't have the funds to pay so the bill went to collection. 

Then on XX/XX/XXXX I received a letter from the VA that said the reason they didn't pay was a mistake and after a court case was filed and as a result the statute, 38 U.S.C. 1725, determined the VA was in error and so the VA said resubmit the claim. 

I've included a copy of this letter. When I contacted the hospital they said since the debt was so old they already wrote it off and sold the debt to the collection agency. 

After attempts to get the agency to remove the debt from my credit report they still haven't done anything to remove the debt ( s ).
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX -1 XXXX XXXX XXXX -2 XXXX XXXX XXXX -3 Transunion Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : 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 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called via phone to no avail ... these are all unauthorized inquiries ... and by law ; should be removed ... 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


XXXX : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Transunion : Unauthorized Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Inquiry :  XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX : Unauthorized Inquiries XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I applied for a Wayfair Card through Citibank and ultimately made a purchase. During the process i had to return an item through XXXX XXXX. Through the XXXX XXXXXXXX app I saw the item was rerouted to someone else 's home. I contacted Wayfair immediately to start an investigation and was never contacted afterwards. The first correspondence I received was a bill. I explained to them that a portion of the bill was fraudulent and I asked that an investigation take place to sort this out. Instead I was ignored and payment was demanded. I was also told the credit card was closed months ago yet yesterday I received a correspondence yesterday which states otherwise. I am also getting two bills from two different ( Wayfair and Citibank ) entities for the same debt. They are literally trying to make me pay double the amount. No one on this entire company will or has tried to rectify the issue. Instead they demand payment even though there is possible fraud on the account./
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-01
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. (IN)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2024-03-01
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. (TX)

There have been multiple unauthorized inquiries on my credit report within a single day. I have duly informed TransUnion of this discrepancy. However, I am still waiting to receive a resolution. In light of this, I have attached the report filed with the Federal Trade Commission for identity theft. Please remove all unauthorized inquiries from my credit report with due haste. Thank you for your prompt attention to this matter. 

XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

I purchased XXXX prepaid XXXX 's each for {$100.00} dollars on XX/XX/22 at XXXX. After purchase I gave them to people and was immediately notified by all people that none of them worked. 

I spent several days and a lot of hours calling Gift Card Services ( The number on the back of the cards ), I was told that the cards " Could not be validated ''. I tried to dispute the transaction with XXXX XXXX ( My credit card that I purchased these with ), and they said that XXXX provided proof that they loaded the cards. I spoke to XXXX 's Corporate office, the told me to go back to the store and speak with the store Manager. The Manager said to contact XXXX. XXXX said that I needed to talk with US Bank National Association. And US bank sent me to " Marketing Solutions '' who does not answer their phone or return my voicemails. 

No one has been able to assist me, and {$1200.00} is a lot of money for no one to care that I never received what I paid for. It has now been 30 days, this is ridiculous. I would never purchase pre-paid cards ever again.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

I work in the real estate industry and own several properties. My current residence 's loan was transferred at the end of 2021. We are now in XXXX and I have received notice that my homeowners insurance has not been paid and now I don't know if this house is currently insured. Additionally we had an escrow shortage due to a tax increase which I want to pay up front instead of the additional payment every month. And I have PMI which I want to have removed from the mortgage as we have reached that limit. 

This company is costing me money and potentially putting us at risk. This is completely unacceptable and I don't understand how a loan servicer is allowed to operate like this. It should be illegal and should require them to sell their company and loans to a competent loan servicer. 

I have read several reviews of people who have had very similar issues. Please do something about this, it is not right.
Consumer complaint received 2022-02-06
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. (SC)

Based on 15 US code 1681c 2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, nor later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in VIOLATION!! Under 15 us code 1681 b Permissible Purpose of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. as a consumer i am demanding the deletion of these accounts from my consumer report IMMEDIATELY.
Consumer complaint received 2018-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MD)

I have disputed with Diversified Consultants Inc about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX XXXX on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Diversified Consultants did not oblige. Diversified 's letter, ( see attached ), dated XX/XX/2018 and XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting. Since Diversified Consultant is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I called via phone to no avail ... these are all unauthorized inquiries ... and by law ; should be removed ... 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 


Experian : Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unauthorized Inquiries XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  : Unauthorized Inquiries XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

On XX/XX/XXXX, I received a letter from FedLoan stating that my account had been reviewed for PSLF with consideration of the Limited Waiver and have not made enough qualifying payments. However, upon review, only loans since my consolidation to FedLoan in XXXX were reviewed. I have had FFEL loans since XXXX and have been working in public service since XXXX. It is clear that the Limited Waiver has not yet been applied as stated in the letter.