davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XX/XX/2022 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX Inquiry : XX/XX/202XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 XXXX
Consumer complaint received 2019-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (KY)

My ex started up a XXXX account. For some reason the account is showing up in my name when I know for a fact my name wasn't on it. Or shouldn't of been anyways. Diversified has repeatedly called me, harassed me, and told me they will make sure my credit score gets hurt from this
Consumer complaint received 2018-04-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (FL)

I leased a XXXX XXXX XXXX. This is our XXXX XXXX in the last 9 years. For the first time I was getting close to the miles. Visited XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX trying to get a solution becuase didnt want to go over the miles. None of them advicsd me that it would be better to pay the extra miles than getting a new car at the moment. None of them were able to work deal that made financial sense to me. At the end I decided to return the car and pay the XXXX remaining of the lease. At the time I received the first bill XX/XX/XXXX I contacted Hyundai Motor Financial and told asked them to wave the XXXX early termination fee so I can pay the difference Since a new need for a Hybrid came up I wanted to stay with the branch and with the Ioniq I can get a tax credit. At that time the ioniq wasnt available, I made an initial payment of XXXX to my account. The representative told me he will extend the due date until XX/XX/XXXX until the car became available. XX/XX/XXXX was here and the car I wanted wasnt available, At the moment paid another XXXX requested the fee to be refunded and was declined again. Asked the representative if paying after XX/XX/XXXX will affect my credit her asnwer was that everything stay in house and an internal recovery department will contact me. 
In XX/XX/XXXX I received a call from XXXX a collection agency asking me all my information. I wasn't comfortable answering and the agent told me they will send a letter. That letter came in a week letter and than in XX/XX/XXXX the agent call me again. When he was asking my verification questions he told me he cant talk to me because my date of birth didn't match his records he had XX/XX/XXXX and my DOB is XX/XX/XXXX he promise a call when fixed. On XX/XX/XXXX he calls me back telling me they corrected the information and we can now talk. I told him that I will pay the invoice completely because I didn't want to affect my perfect payment history I have built for the last 12 years. He told me is to late because in XX/XX/XXXX I was reported to the credit bureaus with a delinquent account. I wasn't happy XX/XX/XXXX was the day he couldn't verify me over the phone because of their mistake. I told him I will pay when they remove that negative mark from my credit. He talked to his supervisor and told me they will do and exception and email Hyundai to get that off my credit in exchange I have to pay in full. 
It is now XX/XX/XXXX and I haven't receive a call back, the mark still in my records, I called then 3 times and are always with a high call volume. I emailed Hyundai Motor Finance and they directed me to recovery who directed me to that XXXX number. 
This is not the first time HMF damaged us.
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

I have submitted several disputes through all 3 credit bureaus-XXXX, XXXX  and XXXX. Navient is reporting my student loans ( 8 in total ) as 90 days past due for the XX/XX/2016 payment, but the XX/XX/2016 and XX/XX/2016 payments are both showing current or paid as agreed. The response from the investigation is verified. It is impossible to be current in one month and the next month be 90 days past due and Navient refuses to make the correction. This is impacting a total of 8 loans and has had a negative impact on my credit score.
Consumer complaint received 2018-04-14
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. (OK)

account refers to XXXX XXXX XXXX. also known as XXXX  XXXX  XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau equifax to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect isXX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore Equifax has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Cash Central of XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX phone XXXX, sent me a letter stating I owe a debit. I have never taken a " Payday Loan '' with Cash Central or any of its affiliates or companies. I have never taken a " Payday Loan '' from any company. 

To date I have sent Cash Central 3 letters via USPS Certified mail return receipt requested : XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 All asking for validation of the debit and asking specific questions to attempt to verify exactly who took out the loan and to correct this company in thinking I took out the loan. To date they have not responded to any of my letters asking for more information.
Consumer complaint received 2018-04-14
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: Rocket Mortgage, LLC (CA)

I have a hard credit pull from the company below on XX/XX/2018. This is not something that I authorized or permitted but it has been showing up on my credit report. While I have contacted this company to have it removed they deny that they have any knowledge of this and will not take action. 

XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc (NM)

I have health insurance and I discovered a debt in collections through my credit report. I have a collection showing for XXXX in the amount of {$140.00}. This debt is not legitimate. I have requested debt validation and verification which has not been provided to me. I have also never received anything showing where this comes from. I believe it is an error.
Consumer complaint received 2019-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

XX/XX/XXXX funds withdrawn from my checking account with confirmed receipt to Citizen 's One Lending on XX/XX/XXXX payment not posted until XX/XX/XXXX XX/XX/XXXX payment recieved by Citizen 's one XX/XX/XXXX not posted until XX/XX/XXXX XX/XX/XXXX payment received by Citizen 's one as of XX/XX/XXXX still not posted and have charged me a late fee
Consumer complaint received 2018-04-14
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. (SC)

I currently have a auto loan with XXXX, and I wasnt aware until Saturday XX/XX/2018 that my balance and payments has not been updated in one year, and due to this I was denied an auto loan with XXXX, including trading my current car because XXXX thinks Im one year late and my car is in repo status. It also shows my first auto loan with XXXX, that i only made 5 payments and i had the car for approximately 15months. So this isnt reporting correctly from XXXX. With this being said, I need my old auto loan that was paid in full and no late payments and my current auto loan with XXXX updated, with all payments and current balance to all 3 credit reporting agencies.
Consumer complaint received 2022-08-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2020-12-23
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: JPMORGAN CHASE & CO. (GA)

Because I have been suffering from identity theft, I have been working with CRAs to remove all of fraudulent accounts that were made by the crime. 
XXXX and XXXX XXXX found all accounts that I have reported to be fraudulent were involved with the identity theft, so they have successfully removed all of negative accounts. But the XXXX is continuing to report one account from JPMCB CARD. As a credit reporting agency, they must delete and block such fraudulent account if the account was created by identity theft. I have submitted all the necessary supporting documents to them to notify them what my position is in this matter.
Consumer complaint received 2019-01-28
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. (FL)

The information reported by XXXX XXXX is FALSE. XXXX XXXX  was contacted several times to request a payment arrangement on the account due to loss of employment. Please note that as requested, XXXX XXXX was also provided with proof of unemployment. After waiting to hear back from XXXX XXXX ( because there was no response to the letter or the fax that was sent to them ), I then called again and was told that I was eligible for a special benefit program that covered events such as loss of employment but in order to qualify the account would have to be closed. It was my understanding that due to the " qualifying event '' the account was being closed without any further obligation by the consumer. However, the attached letter from XXXX XXXX stated that they EMAILED me a payment plan offer that I did not respond to which again is false. I am requesting to have XXXX XXXX   provide proof of the allege emailed that was sent so that I can have it investigated by XXXX/XXXX. Additionally, I am requesting to have the negative remarks removed from all three credit bureau reports and have the account updated to " closed/never late '' because the account is still reporting as late each month although it has been closed by the creditor.
Consumer complaint received 2019-01-28
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)

XXXX credit reporting a " charge off '' account ( {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.
Consumer complaint received 2019-01-28
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. (NC)

XXXX credit reporting a " charge off '' account ( {$32000.00} limit ) on my credit report for a credit card that does not belong to me. I was only an authorized user on this account. I have repeatedly asked that this be removed from my credit report.
Consumer complaint received 2019-01-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

I found a deal with chase for a new savings account. I had to open, deposit {$15000.00} and keep it for 90 days. once the 90 days are up I would receive {$220.00}. that didnt happen, and now Chase is saying that I never applied the coupon code, which I did. they want me to find that coupon code but it was an online link which I can not retrieve.
Consumer complaint received 2018-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (OH)

This is in regards to my previous complaint with Santander. I received a letter today from them stating that my claim was denied due to inconsistencies. They conveniently left out what these inconsistencies are. Im not certain they even investigated my claim. Now, the letter I received stated the transactions as taking place on XX/XX/XXXX. In my claim, I stated XX/XX/XXXX, which is what is on their banking website. Maybe this is the transaction date versus the posting date? I dont know. What I do know is the last time I used my card was at XXXX for {$52.00}. Every card transaction after this is fraudulent. Again, these transactions are ...

XXXX for {$17.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$800.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$180.00} posted on XX/XX/XXXX, according to the banking website.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

A few items on my credit report are being reported inaccurately. When I contact Experian about this, they just provide me a general response and are not carrying out their responsibility to verify the accuracy of this information.
Consumer complaint received 2019-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc. (WA)

On XX/XX/2013 a collection agency called PDQ SERVICES Inc made an attempt to collect XXXX dollars from which i do not owe so now they have put it on 2 of my credit agency reports which is damaging my credit ( XXXX & XXXX.The original creditor XXXX XXXX XXXX XXXX. 

Also this makes it hard to get into an apartment or home rental. 

PDQ SERVICES INC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have an unauthorized inquiry ony XXXX report from Kohl 's dated XX/XX/XXXX. I have tried unsuccessfully to get XXXX and Kohl 's to remove it. Both companies have received copy of FTC report I filed resulting in am extended fraud alert to my credit report. However, XXXX refuses to even open a dispute claiming I need to contact Kohl 's ( which I did ). XXXX refusal to open an investigation is a violation of the FCRA. When reaching out to Kohl 's I was assured the inquiry would be removed back in XX/XX/XXXX, as of Today it has yet to be removed despite both companies knowing it was an unauthorized inquiry. This is not only an FCRA violation but a violation of my consumer rights.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (OH)

Date : XX/XX/XXXX amount : {$60.00} Date : XX/XX/XXXX Amount : {$76.00} Called the company on XX/XX/XXXX, to discuss credit card bills that I did not open. There were two different credit cards with the same company. Company told me to report it to www.identitytheft.gov. I was told not to pay anything. I am worried that someone out there has my information to open credit cards and destroy my credit.
Consumer complaint received 2019-01-28
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)

I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI  report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.
Consumer complaint received 2019-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ORG GC GP BUYER, LLC (CA)

The debt for Citation Number XXXX Dated XX/XX/1990 in the amount of {$1300.00} has been resolved. I contacted the court regarding this matter and was told that the debt had reached the limit for status of limitations and was no longer collectable. I have received two letters from GC Services Limited Partnership threating me.
Consumer complaint received 2019-09-17
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. (MA)

I have sent documents to experian twice proving that the account open in my name was fraudulent but they refuse to delete it from my record. I sent a copy of the company stating that they found the account in my name was fraudulent also sent them a copy of the court document showing that the case was dismissed because of it. I sent the same documents to XXXX and they deleted that account from my record without further questioning. I also am having the same problem with Equifax as I sent them the same info as well. Both Equifax and XXXX is impossible to reach by phone to talk to a live rep to address the problem.
Consumer complaint received 2019-01-28
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)

I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the tald me to file IC3 FBI report and an FTC is attached to this complaint. 
Please block this fraudulent accounts from my credit file.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Starting over two years ago I have been getting credit offers to a person that does not live at my address. I have no idea who XXXX XXXX XXXX is but if he exists he has never lived here. 

By returning the mail to the post office most of the many companies have stopped sending offers. However Capital One has proven impossible to solve. I have called them 5 times now with promises the offers will stop and they have not. 

I have also submitted a complaint to the XXXX and they responded and said they would stop delivering the unwanted bogus mail. Of course that was useless as well. 

I would love to opt out of credit offers but that requires a social security number which of course I do not have. 

I have no idea why Capital One would want to waste $ $ $ sending offers endlessly to a non existent person that has not responded. In a delightful twist I was denied a Capital One credit card because they could not validate my identity. I have an XXXX credit score.

I guess they only want to deal with fake people and pre-approve them no less. 

My guess is that there is a XXXX XXXX XXXX and they live in XXXX XXXX, Georgia and not XXXX, Georgia. My address is " corrected '' by the XXXX heavily and an inadvertent correction may have started this unsolvable mess. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc. (IA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.