davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
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: ALLY FINANCIAL INC. (FL)

Approximately 6 months ago I submitted a dispute with Ally Financial over a Failure to Pay annotated on all three credit reports from XX/XX/XXXX. 3 months ago, I called to inquire about the dispute, and they re-initiated the investigation. On XX/XX/XXXX, I had Ally Financial initiate another dispute for the Failure to Pay. I have not received any letters on a decision or any other correspondence from either of the previous 2 investigations. The auto loan from Ally Financial, in question, was paid off in full in XX/XX/XXXX. It should not have been a Failure to Pay on my credit report due to being paid off, which Ally Financial has conceded over the phone.
Consumer complaint received 2019-09-13
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)

The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made on XX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital one sends me offers of preapproved credit cards with attractive bonuses in the mail. And then why I apply, they deny the card. This has happened 2 times in as many years now. 

The last time they said it was because I had closed a Capital One credit card in the past 24 months. Well shouldn't those knuckleheads have checked for that before pre-approving me? 

This time, they said I had too many credit inquiries in the past 24 months. Utter XXXX! Their response was earlier this month and just today I applied for a similar offer for a XXXX XXXX XXXX credit card and it was approved.
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AL)

I pulled my credit and found these bigus accounts being entered on my credit hurting my credit rating. I was never sent any notifucation of these said debts - two so called accounts, right to dispute or any tatements or written communication. I disputed with the credit bureaus and they verifued it. I wrote to dispute the letter and demand investigation and proof of validity and evidence of this debt. This was ignored. I have been on medicare with medicaid as well. This covers all of my medical costs. I have no knowledge of what these are supposed to be from or for, but all my medical costs have been covered. They refuse to send me any proof such as my signed treatment consent, signature on responsibility for this, accounting of what was charged nor psymens received and insurance paid. I do not owe any medical provider, service or hospital.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (GA)

I don't know the company, it's a fraud and they are imposing as an attorney. I wrote a letter to them saying if you think you have an allegedly debts can you please, Validate the alleged debt ( the actual accounting ), Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ),  & provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorised representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. 
It's unfair, deceptive, & an abusive acts or practices by them. 
P.S. they ruined my credit report.
Consumer complaint received 2019-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: The J. G. Wentworth Company (NH)

J.G Wentworth Home Lending overcharged me, the homeowner, {$1400.00} premium mortgage insurance ( PMI ) over and above the FHA PMI requirements from XX/XX/XXXX to XX/XX/XXXX and refused to issue refund. Attempts to work with J.G. Wentworth from XX/XX/XXXX to date ( XX/XX/XXXX ) to request the refund have been unsuccessful. Supporting documents and formal request for the refund were sent but J.G. Wentworth refused to acknowledge and denied the responsibilities.
Consumer complaint received 2022-03-18
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. (NY)

ATTN : XXXX XX/XX/2022 NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, and TransUnion consumer report, and I noticed some late payments posted on my consumer report : Dept of Ed/XXXX  Acct # XXXX ( Transunion ) XXXX ( XXXX ) Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Aidvamtage ) Making the report is not INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2021-07-19
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. (CA)

Sunday XX/XX/XXXX From XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, CA XXXX To TransUnion XXXXXXXX XXXX XXXXXXXX XXXX, PA XXXX Attn : XXXX XXXX XXXX, President & CEO Via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union LLC, XXXX  Information Solutions , Inc., and XXXX  Information Services, LLC, Case No. XXXX, filed on XX/XX/XXXX, TransUnion continues to willfully harm me by ( a ) Willfully deleting XXXX XXXX XXXX XXXX XXXX XXXX in good standing ; ( b ) Willfully using a variant of social security number as my phone number ; and ( c ) Willfully misreporting payment information on at least one XXXX  Student loan account see XX/XX/XXXX credit report provided by TransUnion These willful violations by TransUnion caused my XXXX  credit score to drop significantly in comparison with other XXXX  score thus caused significant financial harm in buying a new home.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BB&T CORPORATION (PA)

This involves a request to transfer an ira cd from BB & T bank to XXXX XXXX. On XX/XX/19 I opened an ira account with XXXX and 2 days later mailed them a transfer request form. They then faxed the completed form to BB & T on XX/XX/19 who then faxed it to their ira dept.XX/XX/19. On XX/XX/XXXX I phoned the XXXX Pa. branch of BB & T who stated the the form was faxed to their ira dept. on XX/XX/XXXX. I later phoned the XXXX Pa. branch of BB & T and was informed it takes 10 days for the transfer. Today [ XX/XX/XXXX ] the cd has not yet been transfered. It is a sizeable amount of money [ over 100k ] and it appears that BB & T is deliberately stalling the transaction in order to use the money for their own benefit and profit from not paying interest from the mature date of XX/XX/XXXX. I would like this matter to be settled as quickly as possible.
Consumer complaint received 2019-09-13
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. (AL)

I have several unauthorized credit inquires on my personal credit report. 

I contacted have contacted each company that did the inquiry and they all told me to contact the credit bureaus and do an investigation. I contacted Equifax and they told me to contact the company that did the inquiry. Both sides are telling me to contact the other and doing no actual investigation themselves at all. 

I would like to request that Equifax initiates an investigation into these inquiries to determine who authorized them inquiry. If, once their investigation is complete, they find my allegation to be true, I ask them to please remove the inquiries. 

The inquiries are as follows XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XXXX XXXX, 2019 XXXX XXXX XXXX Inquiry from XXXX  XXXX, 2019 XXXX - XXXX XXXX   Inquiry from XXXX XXXX, 2019
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (AL)

I pulled my credit report and was shocked to find a fraudulent account. I reported and disputed it as identity theft. The so called account was for an address in a town and state i have never lived and was for cable service. Further investigation revealed it was XXXX XXXX and AFNI was trying to collect. I never received any notifucation of this so called debt from either XXXX nor AFNI but theyve been illegally report8ng it negatively hurting my credit. I contacted both and notified it was not mine and fraud. Likewise i reported it to all three bureaus as fraud. However, all returned it as verified
Consumer complaint received 2019-09-13
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: BARCLAYS BANK DELAWARE (AL)

I have several unathorized inquires that I have contacted XXXX about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. 
I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I am humbly asking that you request that XXXX initiate an investigation the into inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry. 

The inquiries are XXXX Inquiry from Apr XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 

Thank you
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX  Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC XXXX I do not feel the actions of my auto financer are fair. They report every blemish, and when I pay the car off they remove all the account, its gone, no bad or good credit. 
Nridgecrest reported every flaw when late and pulls the record when I pay it off, im dependent on the score, it would at least tell creditors its paid. 

XXXX XXXX XX/XX/
Consumer complaint received 2018-05-22
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. (MN)

I am a victim of identity theft. The following collection account and credit hard inquiries are listed on my XXXX, Equifax and XXXX XXXX credit report and dont belong to me : XXXX XXXX XXXX, {$390.00}, XXXX XXXX XXXX, XX/XX/2016, XXXX, XX/XX/2016. I been receiving harassing and threatening phone calls of profane language, death threats and threats of jail from XXXX XXXX XXXX representatives for a debt thats fraudulent and that I dont owe. XXXX XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ). Furthermore, its inaccurate that I missed 2 payments with XXXX XXXX XXXX, all of my payments have been on time before the due date.
Consumer complaint received 2019-09-13
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. (AL)

Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX   system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial harm and diress.
Consumer complaint received 2019-09-13
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: Experian Information Solutions Inc. (MO)

My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX  ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX  ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) XXXX ) XXXX  ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX ( XXXX ) 11 ) XXXX XXXX XXXX ( XXXX ) 12 ) XXXX XXXX XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )
Consumer complaint received 2019-05-28
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. (WA)

I need to lift a credit freeze with Experian and tried to call for over an hour to do so. Their phone tree gives you the option to start one but not stop it. I have tried to talk to a live person via two numbers without success. I just get routed around their phone tree an eventually it hangs up on me. This is the worst phone tree in the history of phone trees. They need a e-mail or live chat option. It feels like they go out of their way not to talk to you.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

This is my second complaint to the CFPB about reporting on my credit reports that is inaccurate and is hurting my chances credit wise and finance wise. I currently have a public record that is reporting that is inaccurately reporting on my credit reports and I have tried to correct this with the bureaus several times and keep being told that the public record is accurate. I have contacted the courts and I have contacted the reporting bureau ( 3rd party ) and they all have stated the public record is inaccurate and should not be reporting on my credit file. I have been battling this for a year now and am demanding that the credit bureaus follow the proper procedures to verifying public records and to provide to me with the verifying agency so that I may rebut against them. As a consumer, this is very disappointing because I am being held liable for information that is inaccurate and that should not be reporting on my credit files.
Consumer complaint received 2019-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I am a former graduate ( times 2 ) of the now closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA campus. Admissions " counselors, '' financial aid " advisors, '' and other staff were very misleading about the ability to find a job with their programs. After graduating summa cum laude with a 3.96 GPA in XX/XX/XXXX, I realized that my degree was useless. Upon advice from " admissions counselors '' I could ABSOLUTELY go for the XXXX XXXX program to not only extend my deferment but to also " pad my resume. '' So, I did. They're admissions counselors right? They know what's best right? Sure. I graduated a second time with an XXXX XXXX XXXX in " XXXX XXXX '' to find out that it is also, worthless. I was working for a ( now defunct ) debt collection lawfirm as a XXXX  and upon notifying the head attorney of the firm that I graduated, he stated to me verbatim, " I'm not paying you more, I could have started you at {$10.00} an hour. '' I quit. Since then I've been working dead end jobs in fast food and retail just to get by, let alone pay for massive debt incurred from XXXX. Which brings me to the reason for my complaint. 


Navient never told me that I could qualify for an IBR or anything really until I was already in forbearance. I  explained to them on numerous occasions in XX/XX/XXXX-XX/XX/XXXX about this. They advised me that foreberance was the only option. So not only did I fall victim to a predatory school and believed their lies TWICE, but now, I'm stuck with a foreberance which could have been avoided. I have since contacted the XXXX the " escalated '' navient line, and I also filed a report with the ombudsman. 

Navient is predatory. XXXX, XXXX XXXX, and XXXX XXXX XXXX college are all predatory. This isn't right, and now we suffer.
Consumer complaint received 2019-09-13
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. (MO)

My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XX/XX/2018 ) 2 ) XXXX XXXX (XX/XX/2018 ) 3 ) XXXX XXXX ( XX/XX/2018 ) 4 ) XXXX XXXX ( XX/XX/2018) 5 ) XXXX XXXX (XX/XX/2018 ) 6 ) XXXX XXXX ( XX/XX/2018 ) 7 ) XXXX XXXX ( XX/XX/2018 ) 8 ) XXXX  XXXX ( XX/XX/2018 ) 8 ) XXXX ( XX/XX/2018 ) 9 ) XXXX XXXX ( XX/XX/2018) 10 ) Transunion ( XX/XX/2018 ) 11 ) XXXX XXXX XXXX  ( XX/XX/2018 ) 12 ) XXXX XXXX XXXX ( XX/XX/2018 ) 13 ) XXXX XXXX ( XX/XX/2018 )
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

US Department of Education, Amount {$100000.00}, Date action taken XXXX, 2022 Capital One Auto Finance, Account Number XXXX -Amount Paid {$430.00}, Date Action taken-paid and agreed as paid in full an to be removed from credit that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX XXXX, Account Number XXXX, Amount {$710.00} Date action taken/ disputed XX/XX/2022 XXXX XXXX XXXX XXXX Account Number XXXX Amount Paid {$280.00}, Date Action taken-paid and agreed as paid in full and to be removed from credit report that never took place, and reported inaccurately on credit report and reflects negative on credit. XX/XX/2022 Followed up XX/XX/2022. No response and still remains inaccurate. 

XXXX Account Number XXXXDate action taken XX/XX/2022. Late payments not removed and inaccutre information reflects on credit report
Consumer complaint received 2023-08-19
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: CREDIT ACCEPTANCE CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. 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 that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes 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 which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!