davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that Transunion and XXXX had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the XXXX report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either Transunion or XXXX that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed.
Consumer complaint received 2020-10-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have reached out to Experian several times to formally and legally ask them to remove these inaccurate and illegal accounts from my credit report. However, after several formal certified mail FCRA disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false accounts. I recently filed a Federal Trade Commission complaint to resolve this issue. 

XXXX XXXX XXXX Amount : {$740.00} Date opened : XX/XX/XXXX. 

XXXX XXXX Amount : {$7000.00} Date Opened :  XX/XX/XXXX.
Consumer complaint received 2016-06-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I purchase a vehicle from motorama auto dealership in XXXX of XXXX within 30 days I had tire problems and half of my Dashboard lights went out. It was during this time that the owner of the company told me that he never touch the tires ( Which I do n't believe because they were brand new ) But he said he put a Engine in it which he did n't tell me when I bought the car. 2 months ago the engine started to knock and the Alternator went out a month ago. The dealership said when he bought the engine it had a month warranty. And quoted me XXXX plus the cost of the engine. I am still making payments on this vehicle. I feel this dealership operated in bad faith.
Consumer complaint received 2024-01-25
Product: Credit reporting 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. (NY)

These accounts that I am sending you are to be deleted since they are not mine. 


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 2019-02-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, my husband and I sent investigation requests to the credit bureaus. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2019-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XX/XX/2018 Citizens Bank cashed a fraudulent check in the amount of {$4200.00}.

To date they have refused to reimburse me my money, even though it was clearly their error in cashing a clearly fraudulent check.

You sent me an e-mail stating the case was closed because company responded.

Citizens Bank has not responded and I do not have my money back.

This has gone on long enough.

Please investigate further. 
Thank you. 
XXXX XXXX
Consumer complaint received 2021-10-03
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. (PA)

Please help me with these accounts that are destroying my life. I am a victim of identity theft and when I was XXXX my identity was destroyed and when I came back I been fighting for my identity still to this day with the country I fought to protect for the last 20 years. I was asked to get a police report and a ftc report I obtain both and just seek some help on trying to build my new life back as a retired vet. thanks again
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TRANSUNION WILL NOT STOP PLACING FRAUD ALERTS ON MY CREDIT REPORT I NEVER NEVER AKSED TO HAVE A FRAUD ALERT PLACED ON MY REPORT!!!!!!!! 

I AKSED THEM TO INVESTIGATE THE INCORECT ITEMS, BUT THEY WILL NOT INVESTIGATE THEY JUST KEEP PLACING FRAUD ALERTS ON MY REPORT I DEMAND THEY REMOVE ALL FRAUD ALERST FROM MY REPORT!!!! 

I DO N'T KNOW WHAT XXXX XXXX PERSON IS READING MY FILE BUT THEY DO NOT UNDERSTAND ENGLISH!!!!!! 
REMOVAE ALL AND DO NOT PLACE ANY FRAUD ALERTS ON MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX dob XX/XX/XXXX SS # XXXX
Consumer complaint received 2016-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Am a victim of identity theft which took place in 2011. During the incident my identity was used without my knowledge to multiple fraudulent accounts XXXX of them with XXXX. I subsequently filed complain with the creditor and also with the police disowning the credit purchases. In turn the creditor ( XXXX XXXX ) had sent to account to collection company ( XXXX ) whom I reached out to settle this matter. Upon my complain with XXXX XXXX asset i was instructed to provide copy of police report to settle this account which i subsequently provided and the account was removed from collection and marked as settled. 
Lately, i have been receiving harassing collection calls from XXXX who have gone ahead and reopened the account for collection despite sending me letter as proof of settlement confirmation ( see attached ). Recently I faxed the settlement letter to XXXX to take action, but so far action has been taken. 
I would like to put and an end to this ongoing harassment from XXXX XXXX XXXX. And also have them remove/delete the {$750.00} debt from my credit report which is currently showing as delinquent and hurting my credit rating. 

Any assistance accorded from you would greatly be appreciated. Please find the attached filed police report in reference to the account and also settlement letter sent by portfolio as settlemement proof for no further collection action.
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. My personal information was stolen and were opened XXXX fraudulent accounts under my name. They are : XXXX XXXX XXXX ( account no : XXXX and XXXX XXXX Bank ( account no : XXXX ). I filed a police report at XXXX XXXX Police Department on XXXX XXXX, 2016 ( Report No : XXXX ) and submitted this identity theft report to the credit reporting agencies and the banks. The credit reporting agencies blocked and removed these XXXX fraudulent accounts. But recently, Experian credit reporting agency reinserted XXXX XXXX XXXX and XXXX XXXX Bank accounts back to my credit report. I called to Experian but Experian credit reporting agency denied my dispute explaining that they could not block again reinserted fraudulent account. Please help me to resolve this problem and remove this XXXX fraudulent accounts from my credit report.
Consumer complaint received 2015-09-30
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

supossedly I was sent a text message from an attorney telling me that if I did n't pay XXXX via money gram I would be arrested they said I owed money to a company called XXXX but I was lied to and do not owe any money to them what so ever
Consumer complaint received 2024-01-26
Product: Credit reporting 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. (SC)

In accordance with Fair Credit Reporting Act. The XXXX of Inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate These Inquiries : XXXX XXXX ( Finance ) : XXXX XXXX XXXX XXXX XXXXXXXX ( Bank ) : XX/XX/XXXXXXXX XXXX XXXX ( Bank ) : XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX However, They stated that everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) They are supposed to modify Inquiries that are not reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe in the information is inaccurate. 

I as the consumer have a right to privacy.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-04-04
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Blackhawk Network Holdings Inc. (VA)

My Tmobile Visa account was closed due to an " internal risk issue '' with {$3000.00} in the account. I 've called multiple time with the first XXXX people telling me the money is simply gone. The third time I called, I was told to send in a picture of my ID next to my face ( a ridiculous request ) as well as receipts from my last transaction ( over a week ago and those receipts are long gone in the trash ) They said there is not other way to get my money back.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

I've recently disputed account # XXXX XXXX XXXX. I've recently mailed my identity theft report and my police report to all three credit bureaus. Experian emailed me on XX/XX/24 a letter stating they will not block the items off my credit report because one or multiple reasons. I then called Experian on XX/XX/24 around XXXX eastern standard time and spoke with the fraud department. I was told the reason they wouldn't block the account is because the complaint from the cfpb was missing my ID. I told the rep I also mailed out the same complaint with A copy of my ID, utility bill, police report and identity theft report. He then told me they never received the mailed documents. I asked can he check again and he said they don't have it. The recent dipspute is the CFPB dispute. I mailed the dispute with documents the same day I made the dipspute with the Cfpb and stated that in the dispute. I sent it certified mail and have the receipt and confirmation that it was received. Experian is breaking the law and is using bad practices giving people the run around and using stall tactics about disputes. They have everything they need to complete my dispute and remove the account from my report. I will upload everything that is needed including the mail confirmation. Im sending this to the attorney general and will take legal action if the account is not removed immediately.
Consumer complaint received 2021-06-04
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. (MD)

In regards to the incorrect information from Experian in their Credit Report, the investigation took more than 30 days, but no response received. 

This is concerning unverified card usage and I want to request the release of the creditor 's name and I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Date reported : XX/XX/2021 Amount : {$5300.00} Action Done : Already called Experian and sent a dispute letter. 

Please note that this is for my Business Account and NOT my Personal Account. My personal account is totally fine. 

I demand that the following account listed above be removed immediately from my business account as this charge was not mine and incorrect. Thank you.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just checked my credit score on XXXX and my score on transunion has gone down again. There have been inquires added to my report which I do not understand as I have not applyed for credit. Some of these inquiries that were put on are from the year 2015 how is this possible? I am complaining because I am trying to obtain credit and I am very concious on paying my bills and keeping my credit report accurate. There are disputes I have pending with all XXXX credit reporting company 's however how does transunion add XXXX inquires on my report that they claim were done in the year 2015? this is affecting my score in a negative way and I am very upset how they get away with this information that I did not do.
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

credit reporting said they verified some accounts that are not mine, and i requested information of the process used to verify the accounts and they Equifax refused, even after i sent a certified letter they still refused to send information, Istated that i had a right under the FCRA to receive copies in XXXX days after they receive my request and they still refused.
Consumer complaint received 2015-10-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

I have made several additional payments to Navient on my student loan. I elected to have these payments applied to the loan principle. I noticed that on at least XXXX occasions these payments were applied entirely, or partially, to interest. When I contacted Navient they told me this was done because the loan was past due, which was not true. It clearly states on the payment history that there were not late payments, as my minimum payment is automatically drafted out of my checking account each month. I pointed out that I could see at least XXXX consecutive payments prior to XXXX such occurrence of the payment being misapplied. After I was lied to by the representative, I requested to speak with a supervisor. The representative originally denied my request, but eventually connected me to a supervisor who informed me that she was unable to even see the additional payments on her system. The supervisor identified herself as XXXX # XXXX on XXXX/XXXX/15. I took screenshots and emailed them to her, and she acknowledged receipt of the images and stated that she would look into these payments and follow up with me when it was resolved.
Consumer complaint received 2015-05-22
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX Chase charged me {$25.00} late fee. The due date is XXXX/XXXX/15. Bill was paid by telephone on XXXX/XXXX/15. I called their customer service yesterday and was advised that payment must be made a certain time of the day ( early in the day ) or there will be late fee, hence the {$25.00} charge.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

Greentree ( now Ditech ) says they are not responsible for paying my home 's flood insurance policy, although it 's always been set up as a mortgagee-pay for that. Complicating the matter is my mortgage loan was transferred from XXXX to XXXX, who transferred it in XXXX 2015 to Greentree ( nka Ditech ). Prior to XXXX 2015, XXXX and XXXX made the annual flood policy payments. However, Greentree/ditech says the loan they rec 'd from XXXX does n't make them responsible for paying the flood policy.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: SYNCHRONY FINANCIAL (GA)

I attempted to contact Sam 's Club to get my payment reduced. However, Once it was being transferred to customer services i got a number code ( XXXX ) and the phone hunged up. I have been with Sam 's club for sometime now. In the past my payment history has been in great standings. However, I had a change in job where my income has decreased tremendously and I can not afford to keep up with the payments. I have been late frequently and Sam 's continue to add more late fees that causes the balance of my Sam 's club account to increase. I am being charged XXXX for late fees and XXXX for interest charge on purchases where I have not used my Sam 's card for over almost a year I 've been sending payments and my last payment was {$130.00}. I just can not get caught up. I am asking that Sam 's Club would lower my payments and interest rates as where so I can be able to pay them off..
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I have called and sent in writing to provide documentation verifying that I have an OPEN account with this company. They have yet to provided anything proving this. Per 15 USC 1681 Permissible purposes states this. I also opted out of the company reporting per 15 USC 6802-6805 and it is still on my report with Experian, nothing has been done. This is violating my consumer rights per The Privacy Act 1974. I want this inquiry deleted immediately.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC attempting to collect debt on unverified account. Asked them for specific information concerning debt - and  a copy of a statement was shared,  XXXX   XXXX ,  2017  However, they remain in violation. I asked them to remove the unverified accounts listed below that remain on my credit report in violation o  f 15 U.S.C. 1681.
Asked to authenticate the documents the files that were used to verify the disputed accounts. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?
Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
They 've ignored my request to provided me with the documents they in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I purchased XXXX bundles of XXXX Curly hair as well as a XXXX Body Wave Lace Closure XXXX. XXXX # XXXX was placed on XXXX XXXX, 2015. My credit card has been charged in the amount of XXXX which is the cost for all XXXX items purchased. I received XXXX lovely bundles of XXXX Curly hair extensions on XXXX/XXXX/15 ; however, my XXXX Body Wave Lace Closure was not in the package. The cost of the XXXX Body Wave Lace Closure was XXXX. When I emailed the company to inquire about the missing item they advised me to reply to their email with the name used to place the order and a refund would be sent. I have yet to receive a refund and no one has emailed any updates in regard to this matter.