davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (NV)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage XXXX.
Consumer complaint received 2019-06-05
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

The following companies pulled my credit without my consent. I have no knowledge of these inquiries. I am to receive a call from any company before pulling my report. Please assist in removing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX CAPITAL ONE BANK USA NA Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2019-08-19
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. (TX)

Hello,I have reached out to XXXX several times regarding these inquiries by mail and phone. I have also contacted the creditors like I was advised to, and there telling me to contact XXXX, so I don’t know what else to do, here Is a list of the inquiries:XXXX or WHICHEVER CREDIT BUREAUS holding the inquiries XXXX XXXX XXXX XXXX, GA XXXXI am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed MULTIPLE credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.The FCRA states that the only permissible purpose for pulling someone’s credit is for:A. Firm Offer of CreditB. InsuranceC. EmploymentD. Court OrderThe following credit inquiries are not related to none of the aforementioned permissible• XXXX XXXX XXXX- (XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-XXXX-XX/XX/XXXX•  XXXX- XX/XX/XXXX, XX/XX/XXXX• XXXX XXXX XXXX (XX/XX/XXXX)•  XXXX/XXXX (XX/XX/XXXX)• XXXX-XXXX XXXX-(XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX)Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.Sincerely, XX/XX/XXXX
Consumer complaint received 2019-06-05
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've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting XXXX XXXX, ( Original Creditor : ) XXXX,
Consumer complaint received 2019-08-19
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. (MN)

By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with XXXX XXXX auto loan, I request to the credit bureau and XXXX XXXX to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  experian show as paid but XXXX an XXXX report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed cap is reporting information accurately"
Consumer complaint received 2022-04-07
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. (FL)

I was reviewing my credit report and i saw accounts which are not mine. 
In accordance with the Fair Credit Reporting act XXXX Accounts : XXXX # XXXX Date opened XX/XX/XXXX and XXXX XXXX XXXX # XXXX opened was opened XX/XX/XXXX HAVE VIOLATED MY RIGHTS! 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-07
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: Global Lending Services LLC (AL)

I WAS SENT AN ALERT THAT THIS COMPANT BY THE NAME OF GLOBAL LENDING SERVICES HAD OBTAINED A COPY OF MY CREDIT REPORT WITHOUT MY PERMISSION. UPON CONTACTING THIS COMPANY THEY PLAYED CRAZY AND ACTED AS THOUGH THEY DID NOT WHAT I WAS SPEAKING OF. THEY ARE LISTED ON MY XXXX CREDIT REPORT.
Consumer complaint received 2021-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (NV)

I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing emotional and mental damage XXXX.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Hello -- For some reason Experian shows me as having no credit whatsoever. The other 2 credit bureaus have accurate data ( score of about 800 ) but per Experian first cut call center, they do not have any data. 

The first 3-4 times I called, they either said the problem was with me ( " you must not have any accounts '' ) or with my credit cards reporting the data as told me to call my credit card companies ( I did, all of them said they are reporting the data ). 

I was finally able to reach somebody who was helpful that told me that Experian had accidentally done what is called a Split to my account. She was incredibly helpful and was able to see my full credit history in the system and said that Experian had somehow split the data from my existing account. She put through what she said was called a Split10 and that it would be fixed in 3-5 business days. 

After that time expired and it was not corrected, I have called back 5 different times. Each time I have gotten a different explanation ( first they said the Split had not happened, the next time it was and the issue was I had no credit after all, etc ). Each time ( except for the first rep ) they have quickly said they can not help me and then transfer me to a new department ... and then often they transfer me back to the other department. 

It is incredibly disheartening to see how terrible their customer service is -- nobody seems to care that having this error on Experian 's end has a big impact on their customers. Nobody is willing to offer to call back -- all the effort is put on the customer and they take no accountability. While I want this fixed, my bigger hope is that someone looks into their practices and requires them to be more responsive to their customers.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (FL)

I originally had a loan with XXXX XXXX that was ultimately sold to Jefferson Capitol. As the account neared 7 years maturation and about to be eligible to drop off my credit report, Jefferson Capitol re-aged my account and put it on my credit report as being delinquent as of 2017 starting the clock over as to when it would mature and come off my credit report. I emailed and called Jefferson Capitol and only got unfulfilling answers and no response to my emails. The account was previously removed and Jefferson Capitol readded it without proper notification and reached the account which violates the law.
Consumer complaint received 2021-05-25
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: Experian Information Solutions Inc. (WI)

Experian and this company processing this bankruptcy are both violating my FCRA and the FDCPA by lying about this verification for this debt. XXXX and XXXX bith removed this public record for being inaccurate and unverified but yet experian refuses to remove it because they dont actually require this company to present any proof of this collection. They do not have the right to allow companies to report unverified information without proof. I have requested a discovery that would include all the necessary documentation to prove this bill as an actually verified collection. They do not have the original contract with my signature agreeing to pay anything to anyone which is needed as proof also they will need to have all terms and agreements with me and the original creditor in order to place this on my report. They also need proof of my identification card as well as proof of my full social security number and address updated phone number etc. They have not provided any of these documents to verify this debt so they must remove it.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted multiple requests of TransUnion to delete two tax leins ( released tax leins ) as it does not meet the minimum requirements as detailed in the latest credit reporting changes in XX/XX/XXXX. 

Beginning on XX/XX/XXXX, the three major credit bureaus, TransUnion, XXXX and XXXX, will no longer report tax liens or civil judgments with incomplete information on individuals credit reports. Again, as of XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, AND ( 3 ) FULL Social Security Number and/or date of birth ; That being said, I attached a copy of both NC Revenue State Lein Release letters and NEITHER of the letters maintain the required MINIMUM information and thus must be removed from my TransUnion credit report. 

XXXX and XXXX have both removed the 2 leins from my credit report based on this info, BUT Transunion refuses to delete the items and be in compliance with the new credit reporting law. Therefore, I have no choice but to file a formal compalint with you so that they can remove the released tax leins from my TU credit report.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-07
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. (OH)

I owned this car for 3 months and totaled it in an accident. My insurance company handled the payoff and title was transferred to the insurance company and out of my name XX/XX/XXXX. XXXX signed off on this. ( Doesn't that mean my account was paid in full? ) According to my credit report they claim my account was in good standing in XXXX of XXXX, the car was not even in my name in XXXX of XXXX ... .Fast forward to XXXX of XXXX they have it marked as a charge-off. XXXX XXXX now claims that I owe {$1900.00}. I RECEIVED NO NOTIFICATION OF THIS " DEBT ''. EVER! I found it on my report in XXXX or XXXX and XXXX is adamant that I owe this money from some vehicle service contract with a XXXX named XXXX XXXX. I declined this when I purchased the car. I even sent them the copy from the dealership that has no signature and lists my email as XXXX ' BECAUSE I DECLINED IT! They will not even discuss this with me now because they charged it off. This is a nightmare for me. Please help!!
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MN)

I had a previous Discover credit card account that was discharged under Chapter XXXX Bankruptcy on XXXX XXXX, in the United States District Court District of XXXX XXXX XXXX. I have applied twice for a Discover Secured credit card, but both of my applications was denied due to the previous Discover account that was discharged in bankruptcy court. I want to know when will Discover Bank allow me to apply for, open up, and get a Discover Bank secured or unsecured credit card account.
Consumer complaint received 2021-12-04
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX  XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX XXXX CO Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ;
Consumer complaint received 2021-05-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Flandreau Santee Sioux Tribe (CA)

I borrowed money from Rushmore Financial in XXXX. I paid the amount in full and have a receipt of payment from them. They continue to attempt to collect payment even though I have paid it, and I have sent them desist letters demanding that they stop contacting me ; however, they continue to contact me from different companies and I continually send them emails that they confirm they've received with a copy of the receipt of the paid debt in full.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (PA)

For weeks I have been calling TD bank regarding the disbursement of an offer. I have met the requirements and every time I call they say they are still waiting and that an email was sent. The negligence of this company is extreme. I have been calling all day and they cant provide a proof of our conversation.
Consumer complaint received 2021-05-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (FL)

The Truck was in the business name I was a signer on the loan. The Truck was stolen and reported to the XXXX XXXX sheriff 's office. Ally told the Person who stole the truck if he makes payment on it and gets the business in his name he can keep it. I had insurance and Gap on the Truck when this all took place. the person who stole the Truck XXXX XXXX XXXX department was there when the truck got totaled. they did nothing to XXXX XXXX XXXX. I haven't got a single word from ALLY why this is still on my report when it was totaled had GAP and Insurance. Please help me out. this is not my debit at all.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

All three of the credit reporting bureaus XXXX XXXX, TransUnion, & XXXX  ) do not provide the proper information, web forms, or customer service center access for US military personnel and their families serving overseas to properly access their credit report, file a fraud alert, or place a security freeze on their credit file. At least two of the credit bureaus do not provide the APO/FPO/DPO state designators in their dropdown menus for entering a current or past address ( AA, AE, or AP ). When attempting to call the customer service centers, the automated menus do not allow the caller to request a representative and the automated service menu will close out the call if the caller answers the " security '' questions but the information can not be verified. XXXX, TransUnion, and XXXX  currently demonstrate they do not care about their customers, particularly those who have chosen to volunteer to protect the United States, our freedoms, and the human rights of people all over the world. XXXX, TransUnion, and XXXX  should be extremely ashamed of the way they treat all their customers and especially their lack of effort in serving the US military community all around the world.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX this company charged us interest on a account that had 0 % for 12 months on a purchase that was made two months ago. We used the card after that purchase but made sure that those charges plus the payment on the 0 % charge was paid every month. This company took upon itself to put all of the payment toward the 0 % purchase so we would have to pay interest on the new charge. I contacted this company and they tried to say they can do that for a 0 % purchase that was coming due. They were told that we have 8 months left on that 0 % so that is a wrong statement. Instead of this company just crediting the account the interest a putting the purchase that is 0 % for the following next 8 months they said this could take up to 60 days to fix. This is a company that obviously trys to take advantage of the customers.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with XXXX XXXX XXXX XXXX, I request to the credit bureau and XXXX XXXX to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  XXXX show as paid but transunion an XXXX  report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed XXXX is reporting information accurately"
Consumer complaint received 2018-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

I was several months behind on my mortgage. I applied for a loss mitigation only to be denied. I received my federal income tax return on XX/XX/XXXX. First thing I did was call loancare llc to pay my past due to bring my account current. I gave the representative my correct Bank checking account number and routing number to Make a one time payment to bring it current. Loan care then proceeded to take this payment out of another checking account I had on file with them not the one I gave them access to which in return sent the account they charged into the negative. I have called 6 times to try to resolve the issue in which I received the same answer each time that they would have to review the call and will call me right back and I have yet to hear from anyone.