davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-29
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: General Motors Financial Company, Inc. (LA)

Asked for removal of unauthorized Hard Inquiries on my XXXX file from : Americredit Financial Services, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX CXXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX I did not apply for credit with this automotive dealers for car credit and ask that they furnish written documentation of application for credit approval. I never visited these dealers. I am presently in Chapter XXXX and not allowed to apply for credit without consent of the courts.
Consumer complaint received 2019-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion has two addresses on my credit report that have never been mine. 
XXXX XXXX XXXX XXXX XXXX MO XXXX and XXXX XXXX XXXX XXXX   XXXX MO XXXX. I have never lived or owned either of these addresses. They are also showing two accounts that were 30 days late in the past. Both of these accounts were paid through auto bank draft before they were ever late. XXXX XXXX**** is showing a 30 day late in XX/XX/XXXX and XXXX/XXXX is showing a 30 day late in XX/XX/XXXX. I have tried to resolve with letters but they are still reporting incorrect.
Consumer complaint received 2019-09-29
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)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX  - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-29
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 was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-29
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)

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian makes it very difficult to freeze/lock credit for free. They keep on directing me to paid services to freeze/lock my credit ; however, to do it for free, it is virtually impossible. The reason I'm reporting this issue is because XXXX   and XXXX  both make it easy and free to lock/freeze my credit reports.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX of 2023, I mailed a letter to XXXX, XXXX, and Transunion to update my personal information, removing old and unfamiliar addresses, employer information, and incorrect spellings of my name and to send me an update credit report once completed. Neither reporting agency has followed through with my request which is a violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2019-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

Alright this started at wells Fargo when I was gon na do work for a company and he paid me but then a week later he pulled the funds back and I had to pay back outta my XXXX check. Then my account was closed. Then I got a account at XXXX XXXX  and this loan company put several checks that were bad and then chase closed my account when I still had charges on my account that weren't mine and was even waiting on some returned items to pay me back my money. Then I went to XXXX   XXXX   and the same loan place messed with my account so it got closed. I dont know how much money has been taken but it substantial. They need to like take this seriously cause it isn't right. They even forged a treasury check and forged my signature. They even put bad Mark 's on my credit score.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : CAPITAL ONE - XXXX**** I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (WI)

Diversified Consultants is trying to collect {$200.00} on behalf of XXXX. My XXXX account number was XXXX. At issue are two distinct matters : ( 1 ) Internet service and ( 2 ) wireless service. I do not owe anything since I canceled both before usage due to the fact that the Internet service never worked and the wireless service was never requested or agreed to and was unwanted.

Internet Service I contacted XXXX last year to request Internet service. XXXX mailed out equipment. The equipment never worked. I called XXXX tech repeatedly but they were unable to solve the problem. I quit XXXX Internet and went to a different company. Because I never had XXXX   Internet service, I incurred no financial liability whatsoever.

XXXX invoices falsely suggest ongoing Internet service. In fact, XXXX never provided Internet service.

Wireless Service During the phone call in which I requested Internet service, the XXXX representative said he would mail out a free computer tablet. This was completely unsolicited and unwanted. It was portrayed as a gift.

This agent never mentioned that he was going to open a wireless account in my name and start charging for it. I NEVER requested wireless service or the free tablet. Both the Internet equipment and the computer tablet were returned. XXXX began sending invoices alleging I owed {$200.00}. This was clearly erroneous since the Internet service never worked and the wireless service was completely unwanted and unused.

I disputed these charges on the XXXX  website. I checked my account on the website regularly until ultimately the account stated XXXX balance. At that point I thought the matter had been resolved. I was astonished when XXXX contacted me stating that my FICO score plummeted because of this collection.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION XXXX ACCOUNT NUMBER XXXX****
Consumer complaint received 2019-09-29
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: EQUIFAX, INC. (FL)

Equifax is reporting a hard inquiry on my credit report for XXXX XXXX XXXX dated XX/XX/2018. I have not applied to any credit for XXXX XXXX XXXX. This inquiry is due to stolen identity or other matter not involving me. 

I have reported this problem to Equifax on several occasions and their reply is always that I should contact XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX - MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have sent various letters to XXXX XXXX XXXX at that address above provided by Equifax and the letters get returned to me as not deliverable. See attached copy of letter returned to me by the USPS. I have called the phone number above provided by Equifax for XXXX XXXX XXXX and that number is disconnected. 

The address for XXXX XXXX XXXX in Equifax 's hard inquiry is not a valid address according to the USPS and the phone # is disconnected. 

I have contacted Equifax several times via complaints here and via phone and the reply is always the same one as stated above.

Equifax is therefore providing me with FALSE information about the XXXX XXXX XXXX inquiry. Please have Equifax remove this false XXXX XXXX XXXX hard inquiry from my credit report immediately - this is lowering my credit score!
Consumer complaint received 2019-04-02
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)

I have disputed the following accounts before, all to no prevail. The credit reporting agencies either put a remark on unauthorized accounts and/ or response stated " account verified ". Verified by whom?, and how, when and what certified documentation used to equate to your remarks and findings. I'm demanding the Method of Verification used in the process of this dispute, if this can not be provided then as stated within the literature of the FCRA these shall shall be blocked immediately. The disputed accounts are, ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX XXXX {$2600.00}, ( 4 ) XXXX XXXX XXXX {$0.00}, ( 5 ) XXXX XXXX XXXX {$0.00}, ( 6 ) XXXX XXXX/ XXXX, ( 7 ) Bankruptcy XXXX, {$0.00} Identity has been compromised please remove
Consumer complaint received 2022-03-30
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. (MI)

I received mobile alerts on my phone that said Inquiries have been added to my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2022 I have not authorized anyone to pull my credit file.
Consumer complaint received 2019-09-29
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: CCS Financial Services, Inc. (IL)

I have credit monitoring and received an alert that there was a collection account placed on all 3 of my credit reports in the amount of {$100.00}. I called Credit Collection Serv to inform them that I had no knowledge of this account and further, that I had never received notification of this account in the mail or otherwise prior to them putting it on my credit report. They told me the account was for an insurance policy with XXXX. I told them I do not have insurance through XXXX ; my policy is with XXXX. The vehicle they told me the policy was for, I do not own. I demanded they remove this notation from my credit report, but they have failed to do so. I am not sure which is more concerning : having a collection in my name for a car that I do not own, or having an account pop up on my credit reports with no prior notification of the account, in violation of the FCRA. This account needs to be removed from my credit reports ASAP as it is currently impacting my ability to obtain credit and is a FCRA violation.
Consumer complaint received 2019-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded. 


COMPANY INFORMATION FEDLOAN ACCOUNT NUMBER XXXX
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP (CA)

I have been contacted at XXXX for a consumer by the name of XXXX XXXX. I received 4 calls starting on Thursday and have told the person calling on a auto dialer that this is not XXXX   phone. After I got a call today I called back and asked for a manager to be sure the matter had been resolved and the person answering the phone refused a manager. This is not only harassing, it is also a violation of the TCPA. I have never given this company permission to call my cell phone with an auto dialer.
Consumer complaint received 2019-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC (TN)

This balance on XXXX has been haunting me for years. It resurfCed in XXXX of XXXX. At the end of XXXX after reporting it fradulent in XXXX of XXXX, I attempted to contact and negotiate a lower price to pay it off. I do not wish to pay XXXX on a debt that I did not create. At the begining of XXXX I began trying to join the XXXX XXXX. I can not join with this debt weighing on me negatively. I spent 6 months trying to get ahold of the right company. Each number I called was another rabbit hole that ended with them telling me they can not collect on this debt because it had expired. After much research I found out that the debt originated from An XXXX cell phone bill. I have never in my life had a XXXX phone with that service. I have had cable but never a XXXX phone with XXXX. I reported the debt as fraud and it is still lingering. The debt collectors claim that the time for them to legally collect the debt has expired and they are legally not able to take my money and remove this ugliness from my credit. I pay high interest rates and get denied for simple normal coutesies because of this debt and NO ONE will help me settle this issue or even just pay it so it will stop hurting my credit.
Consumer complaint received 2019-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4, 5, and 6 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (TX)

On XX/XX/XXXXI contacted Amsher Collections to settle four accounts that have been in collections since XX/XX/XXXX. The break down of those are {$84.00}, {$84.00}, {$84.00} and {$70.00} for a total of {$320.00}. There was an account on my credit profile for the exact total in which I disputed that with amsher collections about a year ago and they removed it from my profile. Let it be known, when I contacted the creditor they claimed those accounts are no longer with them and have been submitted to a law firm therefore I couldn't do anything about it yet they still showing as " open '' and being reported on my credit report. After this statement she said I do however owe them approximately {$430.00} ( which isn't on my credit report ). I requested to set up a payment plan but she denied it and claimed she could reduce it to {$320.00} if I paid " today ''. It appears this is just a total of the four accounts with a few extra dollars added which now has me skeptical and questioning the authenticity of this " account ''. At this time I requested documentation that outlined the delinquent accounts to be mailed to my home for my review and verification which she refused to do. Unable to find a resolution to this I got off the phone. I have contacted once prior to this and the collection agent was extremely rude and unhelpful so I ended the call abruptly.
Consumer complaint received 2019-01-26
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: EQUIFAX, INC. (OH)

I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

TR promised to send my free credit report to me in early XX/XX/XXXX - I was told it was mailed XX/XX/XXXX. - Never received. Called again on XX/XX/XXXX. Told another one was being mailed. Again never received. 

Got a letter from Transunion dated XX/XX/XXXX and mailed out the same day. - but it wasn't my credit report. On my call on XX/XX/XXXX, I wanted to make sure Transunion had my correct address so I asked them to add it as a personal statement since they refused to enter my current and correct address. They botched it! all I have is a letter stating my personal comments - not recorded properly and by the looks of what was recorded - was a bit rude! 

I have begged and pleaded with Transunion on several phone calls to send me my credit report, I still do NOT have it. Transunion has failed to mail it to me, failed to enter my personal statement into the file correctly and even entered a bad address on the envelop which was mailed to me. Fortunately I did receive it. 

My last conversation with their 'supervisor '' he told me to break to law here and bypass the XXXX firewall and bypass the Transunion XXXX to get my report. I asked for details on this but all he suggested was that I use a VPN, It is ILLEGAL in XXXX. I told him not to say more but he blurted out It not against US law. 

This is NOT the way to do business! Rude behavior, suggesting illegal activity to get a credit report, and stating untruthful statements to the customer about mailing.
Consumer complaint received 2019-09-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (OH)

i have never done business with XXXX XXXX XXXX and they turned me into collections for XXXX to, Midwest Recovery, also midwest recovery is trying to get money out of me for a loan of XXXX which i have never inquired or received, as someone fruadgenltly assumed my identy,,,
Consumer complaint received 2019-09-30
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I sent a certified return receipt letter with sufficient evidence of the amounts that I paid to the rental property on XX/XX/XXXX. I also followed up with an email on XX/XX/XXXX. I have disputed this on my credit report also on the XX/XX/XXXX with all 3 credit bureaus. They are stating I owe them {$240.00} which I do not.
Consumer complaint received 2019-09-30
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. (MD)

I have previously mentioned the missing payment history which has resulted in Experian changing the date of status from month to month re-aging the account. The account was closed/charged off XX/XX/XXXX yet now its showing the date of status as XX/XX/XXXX. This is highly unfair since now they are saying the account will continue recording until XX/XX/XXXX.