davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

There are bankruptcies on my credit report which are report inaccurately. I called the court to clear up the mistake and I received a letter that says they do not report to credit agencies. It is illegal for third parties to report bankruptcies on my report.Because these errors are reported by third party entities I can not correct these issues. I wish to have these items removed from my credit report. I have included the dates and times I have contacted the bureaus to explain these issues and they claim they have verified the information. However, I have a letter directly from the court stating that they do not verify this information.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

I have tried several times over the last year to get an Apple Card Credit card issued through Goldman Sachs. I have been denied each time even though I meet all credit criteria. The reason given in the email that is sent to me on rejection is that I have been recently past due. This is based on my XXXX  credit report. I monitor all of my credit reports and the last time I was past due on anything was over four years ago. 
I have contacted Goldman Sachs several times and have asked them to review my application. They can not tell me what they mean my recently past due and they say they can not manually review my application. I have twice asked for a case to be opened for someone to look into an issue with the algorithm and they refuse. 
They just say they can not approve my application. I am asking for clarification of their criteria and a manual review of my application. 

I am happy to provide my credit report if needed. 

Thank you.
Consumer complaint received 2023-03-10
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: TRUIST FINANCIAL CORPORATION (FL)

I AM NOT AWARE ABOUT THIS COMPANY HOWEVER I AM CHECKING MY CREDIT REPORT AND HOWEVER THIS ACCOUNT HAS PUT A HUGE INDENT IN MY NAME. I AM ASKING THAT IT BE INVESTIGATED AND REMOVE. I HAVE NOT SIGNED UP OR GAVE ANYONE MY SOCIAL TO UTILIZE FOR ANYTHING. 
I HAVE NEVER LIVED AT THE ADDRESS ASSOCIATED TO THIS CREDIT CARD NOR HAVE I OPENED AN ACCOUNT THIS BANK. I AM ASKING FOR HELP FROM BOTH PARTIES.
Consumer complaint received 2019-08-10
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: EQUIFAX, INC. (CA)

This company is reporting a credit line item that was included in a Chapter XXXX bankruptcy and its showing up suddenly as of XX/XX/2019. 

Also, I have two disputed items that were deleted and XXXX XXXX keeps reporting them and dropping my score drastically!
Consumer complaint received 2021-10-22
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. (FL)

on XX/XX/2021 XXXX Certified mailed my disputes to Transunion and they have no CORRECTED the unverified " Charge off '' this is preventing me from getting a new home. 

THEY HAVE NOT SUBMITTED PROOF IN WRITING. 

I DO NOT OWE THIS DEBT REMOVE IT immediately OR I WILL SEEK punitive DAMAGES GRANTED BY THE FCRA FOR FAILURE TO COMPLY I DEMAND that they remove these ITEMS FROM MY CREDIT REPORT AT ONCE. 

CHILDSUPPORT Account Number : XXXX it is inaccurate and this is also an invasion of my privacy They are in VIOLATION OF 15 usc 1692 ( a ) of the FCRA Also these inquires are unauthorized i called and tried to get them removed they are violating my rights by not complying. 

XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX  XXXX  Date of inquiry : XX/XX/2021
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX XXXX XXXX  Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.
Consumer complaint received 2021-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

This is a second credit card with XXXX XXXX bank that was opened fraudulently without my permission or consent. The first XXXX XXXX  was discharged in court. The documentation on that card was being sent to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. I NEVER lived in XXXX. The collection agency, XXXX XXXX removed it from my credit report. Additionally it was discharged and removed from all credit agencies. This is a second card from XXXX XXXX Bank that was opened in my name fraudulently. When this second card arrived to my Virginia address with XXXX  XXXX, I assumed it was a replacement card, I NEVER used it. I kept this card without knowing that the card was a second account opened separately and fraudulently. I NEVER CHARGED ON THIS CREDIT CARD, AND NEVER AUTHORIZED ANYONE TO USE THIS CARD. The address was changed and I never received any bills nor any goods or services because all billings went to the same address in XXXX Florida. I worked on my current job over 23 years and have a proven track record of employment, home ownership and utility bills in XXXX XXXX. All of which I provided to the collection agency.
Consumer complaint received 2018-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX XXXX XXXX  Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.
Consumer complaint received 2021-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

California Business Bureau is claiming that I owe them more than {$500.00} for medical visits at at various hospitials. They are refusing to send me the original documentation that includes my information and patient information. I had insurance at the time of this incident so I should not owe them
Consumer complaint received 2021-05-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

This is the compliant for the receiving bank. I initialed a wire of XXXX dollars from my XXXX  account to Wells Fargo on XX/XX/2020. After half year its never there. XXXX keep telling me they tried to reach Wells Fargo and never got a response for months. Is this even normal? My receiver called and there was no pending wire. I need the money back badly. My XXXX  account number is XXXX.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

TRANSWORLD attempted to collect payment on an alleged debt that is not my obligation. They failed to send me notice of the 5 contents under 15 USC 1692g in their initial communication with me. They also obtained my private information from a previous company with out my consent. They are violating my rights under the Fair Debt Collection Practices Act.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

This was already paid off as part of a debt settlement. They I sent them proof of payoff through a debt settlement and they said they would look into it and call me and never do. They just continue to keep harassing me over the bill that I already paid
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

OnXX/XX/2021 A collections was submitted on my XXXX credit, as well as XXXX & XXXX from LVNV Funding for XXXX. Never heard of them. I disputed debt thru XXXX account XX/XX/2021. Requested to Produce & Validate the debt with a original contract with their Company heading & my signature on it. No validation was produced. Instead LVNV Funding updated the debt of XXXX as an active account with monthly installments on my XXXX Credit report. Also checked XXXX & XXXXXXXX. I dont have an account or any business with LVNV Funding llc XXXX 
2.I responded with a dispute thru XXXX account and asked LVNV Funding to remove the false account along with 15USC1681 for reference. The false information is still on my credit report. 
I am trying to refinance my home. The false credit reporting is hurting me from refinancing.
Consumer complaint received 2021-05-31
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: Experian Information Solutions Inc. (GA)

I submitted dispute letters to Experian, XXXX, and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In May of this year while I was traveling money was taken from my Bank of America checking account without my approval or authorization. A total of {$60000.00} was taken from my checking account by deductions of {$30000.00} on XX/XX/XXXX and {$30000.00} on XX/XX/XXXX. I had no knowledge of these deductions. When I returned from my trip I notified the Bank of America within two days. The Bank of America Fraud Department tried to retrieve this money but was unsuccessful. I did not learn of the results of this investigation until late XXXX. I waited for a long time for the result of this investigation until I contacted the bank myself. I have attached a copy of the applicable page from my bank statement. I believe your bureau has already assigned me a complaint number XXXX which I received by mail.
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (IL)

ON MY XXXX CREDIT REPORT THERE ARE 26 HARD INQUIRIES THAT I NEVER AUTHORIZED ON MY REPORT. THE DATES OF THESE INQUIRIES STARTED ON XX/XX/2020 - XX/XX/2020. ON MY EQUIFAX CREDIT REPORT I SEE THE SAME TYPE OF INQUIRIES AS I DO THE PREVIOUS REPORT WITH XXXX I DIDN'T AUTHORIZE ANY OF THESE COMPANIES TO PULL MY CREDIT. ON MY XXXX CREDIT REPORT THESE SAME COMPANY 'S PLACED INQUIRIES ON MY REPORT THAT I DIDN'T AUTHORIZE. I REACHED OUT TO THESE COMPANIES & THEY WASN'T ABLE TO HELP ME. I REACHED OUT TO ALL 3 CREDIT REPORTING COMPANIES & THEIR ADVICE TO ME WAS TO FILE A COMPLAINT WITH THE FTC WHICH TRANSFERRED ME TO THIS SITE. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES TO BE PLACED ON MY CREDIT & THIS IS A TRUE HEADACHE. I AM A XXXX VETERAN WHO FOUGHT FOR THIS COUNTRY & IT IS VERY UNFAIR THAT I HAVE TO GO THROUGH THIS PROCESS. I'M BEGGING YOU GUYS TO PLEASE HELP ME & RECTIFY THIS WRONG THATS BEEN PLACED ON MY NAME. I ONLY RECEIVE A XXXX CHECK ONCE A MONTH IN THE AMOUNT OF {$710.00}. I'M NOT A RICH PERSON SO I HAVE VERY FEW OPTIONS IN MY FAVOR.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Ive had car with XXXX XXXX for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} in XX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, like XXXX 2021-ok, then XXXX XXXX 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with XXXX and Experian yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted XXXX XXXX they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

Our loan was transferred to Shellpoint mortgage servicing. They have repeatedly sent me compliance letters about obtaining insurance on the secured property. Our insurance agent has called and faxes them repeatedly. Now Shellpoint has sent another letter saying it's going to collection. We are in compliance with all Utah requirements as well as the original loan requirements that was originated without problems. We have not reduced or changed providers.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my frustration and disappointment with the numerous unsuccessful attempts to correct the late opening of my account with Credit Bureaus. Despite multiple communications and efforts on my part to rectify this issue, the problem persists, causing undue inconvenience and frustration. 

As a valued customer, I expected a higher level of service and efficiency from your organization. However, the ongoing delay in addressing the late opening of my account has not only inconvenienced me but has also hindered my ability to engage in timely financial transactions. 

I have made several attempts to resolve this matter by contacting your customer service department and submitting the required documentation. Despite assurances of prompt action, the issue remains unresolved, and I have yet to receive a satisfactory resolution. 

I urge you to prioritize this issue and take immediate steps to correct the late opening of my account without further delay. Timely action is essential to restoring my confidence in your company and ensuring a positive customer experience moving forward. 

Additionally, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to explore alternative options, including escalating this matter to higher authorities and seeking legal recourse. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 Balance : {$10000.00}.
Consumer complaint received 2021-10-22
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. (GA)

Ive had car with XXXX XXXX for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} in XX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, like XXXX XXXX-ok, then XXXX XXXX- 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with Equifax and XXXX yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted XXXX capital they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims
Consumer complaint received 2021-07-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COMMUNITY CHOICE FINANCIAL, INC. (ID)

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating they were collecting a pay day advance loan. After speaking with the representative and informing them that this was a fraudulent activity the following additional details were provided. 

This payday advance was taken XX/XX/XXXX ( first time I have heard about this ) from " Cash Central ''. The note was subsequently sold to XXXX XXXX XXXX who then contracted XXXX XXXX. 

The dispute has been initiated and I firmly stand by my claim that this is a fraudulent loan taken by another individual. It is worth noting while speaking to the rep from XXXX, that the date of birth provided by previous companies was inaccurate.
Consumer complaint received 2020-09-09
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. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I havent applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. 

These lenders have accessed your credit file : XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX   Automobile Dealers, New Inquiry date : XX/XX/2020 XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX/XXXX/XXXX XXXX/XXXX Credit Unions Inquiry date : XX/XX/2020 XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX   XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/2020 Please note that before making this request, I sent letters to the organizations responsible for these inquires asking them to remove their unauthorized inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ). 

Sincerely, XXXX XXXX XXXX