davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-18
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. (FL)

I found inquiries in my credit report, and I do not know what to do. My report showing some wrong data like wrong inquires, fraud inquiries! I am very sad because when company that I want to organize loan with, saw my report they declined because of these inquires but I tried my best to explain them that I do not know these inquires I have never authorized them, however its too late already so my question is for you - Could you please remove information that is not mine? Its damaging my life ... as a result I am not approved! I have never signed with those companies and I never authorized those items. Its identity theft! Please remove these items from my credit report asap
Consumer complaint received 2019-04-18
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. (GA)

I am not sure how the negative items ended up on my credit report. I noticed all the bad accounts in XXXX when I decided to check my credit reports. I believe these items occurred due to identity theft. There are many addresses on my credit report that do not belong to me. I filed an ID theft affidavit and have reported the errors to the credit bureaus. Most of the activity occurred in the past few months. However, there was also some activity on my credit 5 years ago. I did not notice these errors til now because I did not monitor my credit regularly. I would like these accounts removed from all 3 credit bureaus so I can start over.
Consumer complaint received 2022-07-16
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. (GA)

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of 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 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 2019-04-17
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. (CA)

Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (CA)

Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

When I originally signed up for a Unsecured Capital One Credit Card I enrolled in Credit Protection and Creditwise. I got injured at work on XX/XX/2022. I called Capital One to try to use the Credit Protection. I was offered a payment plan instead of the credit protection. I declined. My credit score dropped over 100 points because of the nonpayment and I accrued a late charge. 

XX/XX/2022 I received a text from Capital One about my debt. I called and again asked for Credit Protection. The operator wanted to enroll me in a hardship program where I am not responsible for the payment for 3 months, but the nonpayment would still continue to reduce my credit score. I declined and asked " If I pay off the debt and close out the account will I receive my deposit back? ". 

The operator had me on hold for 20 minutes before saying yes.
Consumer complaint received 2023-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (TX)

I have had multiple incidents over the last year to where I was consistently given inaccurate information concerning the status of my account which has contributed to my account falling behind. I was approved for XXXX XXXX for a lump sum payment back on XX/XX/XXXX and also approved for an additional XXXX XXXX  starting XX/XX/XXXX. I was told that XXXX was covered and partially of XXXX and the rest was put into a repayment plan which brought my current mortgage of XXXX to XXXX. I called in a few days ago and was told that since XXXX XXXX sent in XXXX that I only owed XXXX. I just received an abrasive call today from XXXX XXXX as well as the XXXX XXXX who was also abrasive ) saying that the repayment plan started in XXXX and a repayment plan letter was sent out, in which it wasnt. Instead I got a threatening letter saying that I owed roughly {$5000.00} which is inaccurate. I called concerning the letter and she said that I shouldnt have gotten that letter and that I would continue to receive only the letters stating that a late fee was assessed since I was on a repayment plan. There was no mention of a repayment letter being sent out until today. XXXX also mentioned in a threatening way that this repayment plan had failed and although she could restructure the plan that if I failed again then I wouldnt be eligible for a repayment plan again. In my experience since Covid, this company is purposefully giving out inconsistent and inaccurate information to purposely make me default. 

I plan on filing a lawsuit and any assistance would be appreciated.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Someone had possession of my card without my permission and used it to make purchases until it reached it's card limit. I did not receive an alert from Capital One regarding the charges. So as soon as I found out on my own I called them immediately. This was two months ago ... They credited my account, but then just rebilled me yesterday for all the fraudulent transactions that had taken place. I am infuriated. What would possess them to do this?? The only thing would be if I made the purchases but I did not. And I refuse to pay for these charges ...
Consumer complaint received 2021-05-10
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)

2 different times inquirys when shopping for auto loans on the same date have been reported individually by all 3 bureaus. So I have 15 new inquirys that should be reported as 2
Consumer complaint received 2019-04-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (TX)

I received a loan from Speedy Cash Co., I was making payments as normal but suddenly I lost my job, I am struggling real bad to keep up with bills, rent, and other accounts that I have, I tried to explain this to the person that spoke about this over the phone ( collections deparment ) I ask her for a payment arregment and she told me that it was not possible and that they would continue with the collection process. 
I also spoke to a wells fargo banker again I explained my situation and asked to for them to stop the payments and she told me that the only way to stop the payments it was me paying the entire balance on the account, that's not possible for me at this time. I resume neither one company understood my situation.
Consumer complaint received 2023-06-27
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX  XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX  XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2019-04-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!
Consumer complaint received 2022-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MD)

I was notified by my XXXX from a job I applied for that I have an collection acct for {$990.00}. From a company called MBA Law ( XXXX ) when I contacted this company they stated that I had a XXXX XXXX XXXX ( XXXX ) I notified the company I believe this is a mistake and I inquired why didnt I receive any notification from them about the bill I contacted XXXX XXXX twice and spoke with XXXX from billing who stated she dont see a bill in that amount and further more they do not deal with an MBA Law. They stated they felt with a company called XXXX help XXXX. I called the number twice to see if they possible deals with MBA Law and where did this bill may have come from since XXXX do not have a bill. I called the first time stayed on hold for XXXX. Someone picked up and hung up I called back being placed on hold XXXX minutes and someone did the same thing. MBA law is trying to get me to Pay a bill that I do not owe. Further more they placed this on my credit report without properly notifying me of such bill. I have XXXX insurances atena and XXXX both XXXX my parents so I normally dont receive a bill because XXXX is XXXX and XXXX pick up the balance. I may not get the job because this company placed this on my credit report.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

I had an impound account with this lender and was making monthly taxes and insurance payments into the account. Unfortunately, the lender failed to pay my County Tax bill that was due on XX/XX/XXXX ( for {$2600.00} ). 

I tried contacting the lender twice on XX/XX/XXXX to discuss the issue, and both times was told that my taxes were not due, and that they did not fail to make the payment. After explaining the situation, they agreed to file an inquiry about the missing payment and said that I would hear back from them within ten business days. I never heard back. 

I've since sold the property ( on XX/XX/XXXX ), and have made the missing County Tax payment through my closing costs during Escrow - in the amount of {$2900.00} ( this was for the original {$2600.00} + a 10 % late penalty of {$260.00} ). 

I tried contacting the lender again on XX/XX/XXXX to request a reimbursement of the {$260.00} late penalty that I paid as a result of them not making the payment on time. The lender told me that they would file another inquiry, and that I should hear back from them within three business days. I never heard back. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the inquiry was closed on XX/XX/XXXX and that I would be receiving a check in the mail for the 10 % late penalty in the amount of {$260.00}. This check was never mailed. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the previous representatives that I spoke with about the issue did not fully understand the problem, and that a check was never mailed to me. They spoke to their supervisor, and told me that they needed to file an additional inquiry regarding the issue and promised to contact me within 48 hours with an update. I never heard back. 

I contacted the lender again on XX/XX/XXXX for an update. I was told that the inquiry was still in progress and that they didn't have an update available for me at this time. They promised to stay in contact with me and to provide updates as soon as they were available. As of XX/XX/XXXX I have not received any additional updates. 

I would like to be reimbursed for the {$260.00} late payment fee that I'm entitled to as a direct result of this lender failing to make my tax payment on time. I've tried contacting the lender six different times and the issue has now drug out for over two months without a resolution or any update from the lender.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-17
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: HUNTINGTON NATIONAL BANK, THE (PA)

I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks
Consumer complaint received 2019-04-17
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: Exeter Finance, LLC. (PA)

I have 29 hard inquiries on my report by dealership that I. Didnt consent too and I spoke to a credit adviser that I can get all or some of them off the dates are XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX those are multiple inquiries on my credit report that I didnt consent too and would like to remove them please thanks
Consumer complaint received 2024-03-02
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. (VA)

I hope this message finds you well. I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to open an account with your company. 

Despite repeated efforts and several attempts to rectify the situation, I have encountered persistent obstacles in the process. This has not only caused inconvenience but has also led to significant delays in accessing the services your company offers. 

I initially submitted all required documentation and followed the prescribed procedures for account opening. However, despite fulfilling all necessary requirements, my account remains unopened, and I have not received any satisfactory explanation for the delays. 

The lack of communication and transparency throughout this process has been particularly concerning. Despite reaching out to your customer service team on multiple occasions, I have received generic responses that fail to address the specific issues I am facing. 

As a prospective customer, I expected a smoother and more efficient onboarding process. The repeated failures to open my account have not only wasted valuable time but have also eroded my confidence in your company 's ability to provide reliable services. 

I urge you to prioritize this matter and take immediate action to resolve the issues preventing the opening of my account. I expect a prompt and satisfactory resolution, along with clear communication regarding the steps being taken to address this situation. 

Failure to address these concerns in a timely and effective manner will force me to seek alternative service providers. I trust that you will give this matter the attention it deserves and take the necessary steps to rectify the situation. I am asking for your assisstance to correct these accounts 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
Consumer complaint received 2021-02-18
Product: Credit card or prepaid 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: CITIBANK, N.A. (OH)

credit card company : CITI Cards / Best Buy Visa XXXX Acct Number ****** XXXX XXXX XXXX XXXX XXXX ) XXXX The Merchant, XXXX XXXX, retained my credit card information from a prior purchase without my knowledge and charged a " surprise '' an unauthorized transaction to my account on XX/XX/2020 in the amount of XXXX. There was never an agreement or permission for future charges with this company which is about 800 miles from where i live. I have had no reply from the merchant to remove the charges. The credit card company has failed to find favorably on my behalf even though I reported the unauthorized and fraudulent transaction timely and it writing. The Credit Card company has told me on the phone they will resolve it, but then in writing tells me they find me responsible without explanation. The one and only transaction with this company was on XX/XX/2020 in the amount of XXXX which has a signed charge slip that has been notarized. No other transactions have been signed or authorized. The guidelines simply state in matters such as these, the credit card must find favorably for me. Please instruct the credit card company to remove these unauthorized charges from my account without penalty or delay. No request has ever been made from merchant and emails have gone unanswered. 

Additionally, copies requested of all paperwork have not been forwarded to me. As such, dealer and finance company have not properly disclosed regulation Z. 


XXXX XXXX
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (NC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both Equifax and XXXX and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help me.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/16 I had my account overdrafted by a single transaction. Wells Fargo shows you your available balance ( including pending added in ). So transactions were made based on what was available and already posted. 

A payment based off a business expense went through that can't be predetermined. Causing a overdraft. Every transaction made before this transaction becomes part of the overdraft and each small transaction becomes a XXXX $ fee even though you had the funds at the time. 

Then Wells Fargo claims if you deposit enough to put you positive within that day ( XXXX ) the fees would be taken off. Which I did They did not honor this and after speaking with a honest rep they admitted this is how they trick customers and how they make there profit. 

I was offered to take off overdraft protection which they stated " allows you to still make transactions so you wouldn't be embarrassed '' but charges you a fee. This all while you are still showing a positive balance. The then at the end of the day take all the transactions after the overdraft transaction and overdraft all those too. 

This is straight misleading and fraud and its there default. 

So a bottle water, XXXX, XXXX in gas, etc ends up being a XXXX $ bill due to only one transaction overdrafting.