davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
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. (GA)

XXXX has reported my account late from XX/XX/2020-XX/XX/2020. I filed for covid 19 assistance with XXXX to move the payments from MXX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!
Consumer complaint received 2018-06-18
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)

This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : XXXX, TransUnion and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same dates XX/XX/XXXX and XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and again XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX  for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion and XXXX are not reporting that I have an open credit card account with XXXX as does my wife. I am secondary on this account. It was originally being reported then one day it disappeared off of my credit report impacting my credit score by 50 points. this credit card has always been paid on time. I have attempted to contact the credit bureaus as well as XXXX to fix this problem to no avail.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}
Consumer complaint received 2018-06-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION (PA)

In XX/XX/2017, I opened a checking & savings account with Navy Federal Credit Union. They accepted over {$3500.00} in deposits. To date, -- I have had no access to these accounts. NFCU has repeatedly requested ID documents. I have uploaded, emailed. faxed, and physically mailed -- copies of my Photo ID, Social Security card, utility bills with address, and Passport 8 ( eight ) times. Most recently, ( XX/XX/XXXX ) I visited the XXXX, XXXX  branch while on vacation. I presented my XXXX photo driver 's license and requested my accounts be closed, and my money returned to me. I had called Customer Service 2 hours previoulsy and was told by XXXX that is what was required. After a speaking with XXXX and then the manager -- I was told I would have to physically present my social security card. The manager : XXXX, left me sitting while she dealt with another customer. After being in the bank for 55 minutes, I left. I am out of ideas as to how to get my funds returned to me. I have been in touch with Security, Membership -- anyone I can think of. Can you help? Thank you
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have sent letters, disputed, called and notified my credit bureaus that this is a result of identity theft. My wifes ex sister in law was staying at our house when we were out of the state and this was opened and had access to our bank account cards. My XXXX email was hacked and breached and to my understanding was used to correspond with this company. My wife and Is phone were hacked and flashed for our number and it took getting new phones to resolve this. We had to stop payments on this when my wife balanced the check book and realized money wasnt balancing and there were multiple withdrawals for this including having to get new cards and accounts etc. Its my understanding also that the address used was XXXX XXXX XXXX XXXX but we moved in XX/XX/2018 to XXXX XXXX XXXX XXXX and utilized our XXXXXXXX XXXX XXXX account. Its my understanding that the calls on the original loan have voices from multiple different people. This loan shows refinanced and it was my understanding that this was to be closed and removed but it looks like someone got to run off with the money and I did not take this loan with my knowledge or consent. The contract I have seen only once stated interest in the amount of something like 188 % which I dont believe to even be legal. They are stating I owe {$2500.00} to them and this is a result of identity theft. I just recently learned my rights and have asked them to remove this after the XXXX account and XXXX breach along with my drivers license and wallet being stolen from me at work. I have had multiple loans with my credit union and would never need a loan with this insane interest which is predatory to say the least.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (MI)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX XXXX BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (FL)

Contacted Mr. Cooper since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as XXXX   does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from Mr. Cooper that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.
Consumer complaint received 2020-07-15
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME FRAUDULENT ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE FRAUDULENT ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY THE INDIVIDUAL WHO WAS ABLE TO OPEN THESE ACCOUNTS AND INQUIRIES. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT FILE BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE FRAUDULENT ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Consumer complaint received 2018-06-18
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. (NY)

I was denied credit due to a credit report the potential lender had received from Experian so I wanted to get my credit report online, but the system wasnt loading " at that time '' I tried Friday and Monday. Anyways they let me print out a page to mail to them, BUT they want my photo id ( In the mail?! ) and a utility bill with current address. My issue is, if they have enough information on my name to get me denied credit, w/o asking me for proof of who I am, then why wont they send me, at my address of record, the same report, without trying to squeeze out even MORE personal information? So now they will have my driver record and which electric co and how much electricity I use, in addiion to what they already have on me? Is this legal? XXXX gave my my report in no time, on-line, without trying to coerce more personal info! 
Thank you
Consumer complaint received 2018-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I discontinued insurance with XXXX and ended my policy. I was told by XXXX  that the policy amount was prorated and I paid for the amount of service i retained. I told this CCS company that this was settled and please stop sending harassing letters because I don't owe XXXX. Company has not responded to the requests I have made for proof and to please close and remove for my credit reports. I have also contacted the three credit bureaus for an  investigation.
Consumer complaint received 2021-02-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (TX)

Company name : BRIDGECREST FORMERLY XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX Case Date Opened XX/XX/2017 Case Date Closed XX/XX/2017 I purchased a vehicle from XXXX and was in a serious accident, the vehicle was totaled. I had full coverage insurance on the vehicle and therefore, XXXX  was paid in full by my car insurance. 

Bridgecrest remarks that the car was " PAID THROUGH INSURANCE '' Bridgecrest notes the Pay status is " Account paid in Full ; was a Charge-off '' I disagree that this is a charge-off since the the account was paid in full by my insurance and shows a balance of {$0.00} and a monthly payment of {$0.00}.
Consumer complaint received 2018-06-18
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. (FL)

To : Consumer Disputes and Compliance Dept, This letter is a formal complaint that you are reporting false, incorrect credit information. 

I am really distraught that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. It is your companies duty that every step must be taken to assure the information reported is completely accurate and correct.These items below are not correct and are keeping me from from purchasing my 1st home. 

I would like these items immediately re-investigated as the items below are erroneous, inaccurate, incorrect and falsely reported accounts. 

1. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

2. Loan was deferred and should not be showing late payments XXXX   Account Number : XXXX Student Loan was deferred XXXX, XXXX, XXXX and XXXX, in XX/XX/2016and was never late. Please update this item to reflect no late payments. 

3. I am the wrong consumer for this item. This is not mine XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Account Number : XXXX This is not my student loan and should not be on my credit report. This belongs to someone else. Please provide proof of a contract signed by me or remove it from my credit report.
Consumer complaint received 2018-06-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Midwest Fidelity Services, LLC (LA)

Myself, family and friends have received multiple calls stating that the debt collector demands I pay or else I'll be sued and convicted of fraud for bills that I don't even have a recollection of belonging to me.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

I discovered a collection account on my credit report and decided to call to figured out what is for. 
The name of the collection agency is Southwest Credit Systems, they informed me is a collection for a XXXX bill from XXXX and they started to collect on late XXXX, I informed them that I never received an initial collection letter or call, then we realized the address on file was wrong, the apartment number was incorrect and that is the reason I never got a letter, I explained to the supervisor that I never had the opportunity to pay this bill or dispute it before it poped on my credit, I offered to pay the bill just if they agreed to delete the collection account from my credit report but they denied even when they know the address was wrong and I was never given the chance to pay or dispute the bill. I requested to dispute this bill since I don't even know what it is for but they refused to process my dispute.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello I appreciate your help this account is paid in full and I would like this update on all 3 credit bureaus it is negatively affecting my score and I would like it updated right away. 
Thank you. 
CAPITAL ONE BANK USA NA Last reported XX/XX/2021 {$490.00} Open balance {$500.00} Credit limit Balance carried not confirmed Credit limit {$500.00} You're using 99 % of your account 's limit.
Consumer complaint received 2018-06-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (NC)

American Credit Acceptance did not close the account when car was repossessed and sold in  XX/XX/XXXX. They kept the account open and added interest, so the balance is now {$14000.00}. I bought a XXXX XXXX XXXX in XX/XX/XXXX ; the loan was {$11000.00}. When I got sick in XX/XX/XXXX, the balance should have been {$8700.00}. They sold the car, so there should be {$0.00} balance.
Consumer complaint received 2018-06-16
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)

This should be sent to XXXX, XXXX, and Transunion I filed bankruptcy years ago and then changed my mind a few weeks later and decided not to go through with it. The bankruptcy still appeared on my credit report. I obtained a letter from my attorney stating that the bond is cancelled. The bankruptcy should be removed from my credit reports accordingly
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$8700.00} and was made on XX/XX/2019.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around 2013 when my XXXX  was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's me.
Consumer complaint received 2022-09-10
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: OneMain Finance Corporation (VA)

XX/XX/2021 ONEMAIN XX/XX/2021 ONEMAIN NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL I recently discovered that your company ran an unauthorized report on me XXXX AND XXXX. 


I have not initiated any transaction with. ONE MAIN Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ONE MAIN for review or collection. 


1. I am now requesting the permissible purpose documents under 15 USC 1681B. 

15 U.S. Code 1681b - Permissible purposes of consumer reports. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
Consumer complaint received 2021-07-14
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 (NC)

I have opened a Capital One Business Credit Card inXX/XX/2021XXXX because I am running my business from this card, I carry a balance of XXXX on this card. 
Ever since opening this account my credit score dropped from XXXX to XXXX, because Capital one is reporting the business debt on this credit card as a consumer debt and as carrying a balance on a credit card. 
Capotyal one refuses to take off the reporting from my personal credit and just report to the business credit bureaus.
Consumer complaint received 2018-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Management Outsourcing, Inc. (GA)

I have health insurance, how can I owe this amount? 
XXXX XXXX XXXX Opened XX/XX/XXXX {$65000.00} Original creditor : XXXX XXXX XXXX I was hospitalized XX/XX/XXXX
Consumer complaint received 2018-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I disputed the XXXX XXXX account XXXX with all 3 Credit Reporting agencies they updated I accurate information noting that the furnished of the information Guaranteed that the information was accurate. The FCRA says that these companies must do an independent investigation not jut take the furnishers word for it .they are willfully violating the FCRA an also my rights they have the proof that this account is not accurate but in fact erroneous an should be deleted according to federal consumer protection laws .this account has been reporting in error since it opened with the creditor breaching the contract with an unscheduled monthly payment before payments were scheduled to begain.
Consumer complaint received 2018-02-21
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. (MD)

On XX/XX/XXXX XXXX responded to CFPB complaint still opened with XXXX alleging the account was closed and correctly reported. 

Based on my disputes from XX/XX/XXXX XXXX, XXXX, and XXXX has manipulated payment history and credit lines adding new derogatory information to closed accounts with Failure to Payment statuses. XXXX reduced credit on store card following a dispute to {$250.00} updating to paid after fraudulent new information they kept reporting after every dispute to reduce my score over the last 90+ days. 

XXXX did not investigate they give creditor unlimited access to make additional derogatory data for conflict after the next limiting consumer right to dispute each new reporting. XXXX has been making new activity ongoing