davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-12
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: EQUIFAX, INC. (OH)

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX  # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.
Consumer complaint received 2020-07-09
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$480.00} XXXX   XXXX {$12000.00} XXXX  XXXX {$69.00} XXXX XXXX {$800.00} XXXX  XXXX {$69.00}
Consumer complaint received 2020-07-27
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible
Consumer complaint received 2020-07-09
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$480.00} XXXX   XXXX {$12000.00} XXXX  XXXX {$69.00} XXXX XXXX {$800.00} XXXX  XXXX {$69.00}
Consumer complaint received 2020-05-24
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. (NY)

I received a copy of my credit report and there are accounts on it that I do not recognize.I have tried to contact the credit bureau to remove the accounts however they have denied my request to have these accounts investigated and removed.
Consumer complaint received 2018-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (MA)

Before Eastern Account System reported the debt to credit agencies, they never talked to me in person, neither did they send me a notice in mail. 

They have violated my right to dispute the debt. 

Amount : {$88.00} & {$28.00}
Consumer complaint received 2018-09-24
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IN)

Once again, the minute I put my Student loan into Forbearance, XXXX reports me as XXXX days late and kills my credit. If you call and ask them, theyll tell you this is standard practice. However, the FCC clearly has a Fair Credit Reporting Act. The last late payment I see before my present forbearance was XXXX of 2017. Is that what they are reporting? Its just not right or ethical that they can do this as a standard practice just because someone is struggling and has to put their loan into forbearance. I would rather just pay them, but sometimes things happen in life.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (DC)

I am a Truist bank customer. I have XXXX set up on my checking account to pay a credit card balance to an outside bank XXXX XXXX XXXX XXXX. In XX/XX/2022 I revised the auto payment from $ XXXX to $ XXXX to make sure the minimum payment was being paid. For the month of XXXX no payment to XXXX XXXX was issued - not {$250.00} or {$450.00}. I was charged a {$40.00} late fee by XXXX XXXX for a late payment in XXXX that I had to issue directly. I was told by a Truist customer service agent that they are making system upgrades and there might have been an error and that is why the payment was not issued. I also heard from another customer service agent that when auto payments are revised they can take a month to take. Either way, the bill pay service that I relied on from my bank, which shows the auto payment for this account as " ON '' did not work as promised causing a late for me and a negative mark on my credit which I am desperately trying to improve and manage.
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.
Consumer complaint received 2018-09-24
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. (OH)

I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2018-09-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (MD)

I want to close the account and make payments on the full balance. CashNetUSA will not allow me to close the account per their XX/XX/18 email @ XXXX. I admit I owe the balance, I just can't afford to continue to accrue the interest and fees while paying this off.
Consumer complaint received 2018-09-24
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. (FL)

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-09-24
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. (FL)

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2018-09-24
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: GOLDMAN SACHS BANK USA (NC)

dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Performant Financial Corporation (OH)

XXXX XXXX XXXX has received several ( 4 ) copies of my FTC identity theft report over the past 3 years. Performant just changed the account number and began collections again. 

XXXX XXXX XXXX has never provided any actual documentation of the fraudulent student loans they alleged are assigned to me. 

The only documents ever sent are a forged master promissory note and copies of an online approval obtained by the unknown identity thief. 

Currently, Performant is seeking to obtain funds for the identity theft student loan at an interest rate equivalent to 267 %. 

When questioned via phone conversations, XXXX XXXX XXXX representatives state that they are only contractors and don't have any actual documents regarding the amount they are demanding. Additionally, the same personnel repeatedly tell me to stop send them letters/identity theft notices via my FTC identity theft report.
Consumer complaint received 2018-09-24
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 am a victim of ID Theft. I was contacted by the XXXX XXXX XXXX that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she never opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2018-09-24
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. (CA)

XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX/XXXX   Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX   XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XX/XX/2018
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

PAID IN FULL -- -- in response to letter sent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION is REPORTING INNACURATE and fraudulent information and not validated INORMATION and continues to since Before XX/XX/XXXX, to Present, the balance is incorrect on A XXXX XXXX XXXX XXXX XXXX XXXX collections account # XXXX ( closed / XXXX Or XXXX closed and paid even with the ACCOUNTS and TRADELINES ARE CLOSED AND OR PAID IN FULL. Transunion is reporting Inaccurate and fraudulent information as these accounts has been and is closed since XXXX and is PAID IN FULL. balances and all information are inaccurate as they are not factual XXXX XXXX XXXX XXXX XXXX XXXX Transunion and all companies are negligent compliance by reporting this information as accurate when in fact, they are not Trans Union has reported over several times as accurate when clearly, they are not. XXXX XXXX XXXXXXXX XXXX XXXX and Transunion are violating My consumer rights and FCRA laws XXXX XXXX XXXX XXXX capital services is I believe retaliating with unethical practices by providing intentionally inaccurate information as XXXX XXXX XXXX XXXX violated federal and state laws by garnishing funds that were exempt and continues to report inaccurate data to Transunion. This is one of several accounts of false information and reporting inaccurate information and Credit data. FUNDS were RECEIVED XX/XX/XXXX Filings Title : XXXX XXXX XXXX XXXX XXXX Case : XXXX XXXX ( XXXX  ). Any XXXX XXXX XXXX accounts and data must be DELETED from Transunion and Transunion due to violations of the FCRA and XXXX XXXX XXXX Be fined {$1000.00} to {$10000.00} per FCRA Violation.
Consumer complaint received 2020-07-09
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. (NY)

XXXX XXXX**** ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

I made 4 transfers to my account and went to a hotel for a two day stay. While sleeping my bank noticed the hotel used my card information to process 4 extra transactions totaling XXXX without my knowledge and failed to notify me via text message. Instead they waited til I tried to use my card again to notify me what was done causing me pain and suffering In trying to get the funds back. They did not allow me to file a immediate dispute and told me to wait until it posted to my account.
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (MD)

EXPERION claimed that being less than 40 % of my loan is considered negative. I have succeeded in paying 40 % of my loan. Usually a situation like this would take 5 to 28 days to be corrected EXPERION has been going on 100 days from the time I pointed the glitch out And requesting for that less the 40 % Score factor to be remove.
Consumer complaint received 2018-09-22
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: LEXISNEXIS (NV)

Okay, over the past several months I have been corresponding with " LexisNexis Credit Reporting Bureau '', Trying to get them to delete a Bankruptcy charge off my report.

This company is a Third Party that sell information to other credit reporting Bureau which is against the law. I have copies of all three different Credit reporting agency Last credit reports. One XXXX Reporting Act shows a correction vs the other two.
Consumer complaint received 2018-09-22
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. (PA)

XXXX XXXX XXXX has not reported on my TransUnion since XX/XX/18 as paid or current as by my report Transunion File # XXXX XX/XX/2018 I have paid as agreed and have all of my money orders as proof as paid.
Consumer complaint received 2020-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC (AZ)

I received a bill in XX/XX/XXXX offering to settle my debt with Galaxy International Purchasing. The debt was supposedly incurred in XX/XX/XXXX. Because this was so long ago, I called the company and requested more information. 

The person I called swore at me and accused me of trying to run from my debt. I refused to give her my social security number to " confirm '' this debt, and she swore at me again. I told her to send any proof to my mailing address ; otherwise, I would assume this was a scam. 

A few weeks later, I was being sued by this company. I had not received any proof of a debt. 

It has taken multiple rebuttals and submissions to the court and I only received information about the debt when I told the court I had not been given proof. At that point, I saw it was impossible for me to have incurred this debt. The addresses listed were not mine. It was easy enough to prove I did not live at those addresses. However, this company continues to sue me for this debt without proving through a signature or other information that I owe this money. 

I have spent nearly the amount of the original debt to take time off to go to file papers at the court or pay filing fees. The company has not responded regarding the person I talked to on the phone or the fact this debt is not mine. I know this is a company that buys old debt. They will not consider they have incorrect information. If I owed a debt, why wasn't I notified in six years? 

Today, I am filing a counterclaim, yet again. This company is absolutely irresponsible.
Consumer complaint received 2020-07-09
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 (GA)

Capital One has many discrepancies between the reporting to my credit report, the information given to me by their customer support and the information given to me via billing statements. These discrepancies include minimum payment and due date. Because I acted in good faith in the information given to me by Capital One it has giving Capital One an illegitimate reason to report negative payment history to my credit report. Although Capital One 's customer service agents concur with my grievance, Capital One continues to harm me by report negative information to the credit bureaus. In addition, Capital One waited 5 months to report that I made a late payment but that payment was not late based on the information given to me by Capital One. Is it a violation of the Fair Credit Reporting Act not to report in a timely manner?
Consumer complaint received 2021-01-20
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: BMW Financial Services NA, LLC (NY)

In late XX/XX/2020. The local XXXX dealership requested 3 independent hard pull credit reports under 3 separate corporate names 1 ) XXXX XXXX  XXXX XXXX 2 ) XXXX ( parent company ) 3 ) BMW Financial Services in a 24 hour timeframe. These requests caused my credit score to significantly decrease. ( Almost 50points decrease ). BMW Financial Stated dealership should not have requested hard pull credit reports. I would like my information corrected and credit score restored
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DCN Holdings Inc. (GA)

The debt collector contacted me via a letter indicating I owed a debt to their client. I sent correspondence in writing indicating I have no contract with their client, XXXX XXXX XXXX. I requested a copy of the contract with XXXX XXXX XXXX. They sent me a copy of a contract with XXXX, XXXX, an organization I previously had a contract with that went out of business. I wrote back indicating the contract they sent me was not with their client and included a copy of the contract they sent me. I heard no response and never received a copy of a contract I signed with XXXX XXXX XXXX.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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