davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
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 (CA)

Capital One Auto ran my credit without my permission. I am attaching to this complaint a copy of my pre-approval letter from XXXX XXXX XXXX showing that I had already secured financing for my vehicle and had no reason to allow anyone to run my credit considering my credit union had already ran my credit for the pre-approval.
Consumer complaint received 2018-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: World Omni Financial Corp. (FL)

Good Day! 


{$1500.00} car loan posted on credit report as a charge off. The lender company said that I am behind in payments but I crashed that car and all the charges were paid by the insurance inclusive the GAP, but this company insist that I was supposed to do payments during the resolution of the case something that nobody told me.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

I called XXXX XXXX to pay my bill even though I was expecting a credit from overstock commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Hello EquiFax, One of my credit information has just been update while it being closed sinceXX/XX/XXXX. I have attached the new negative mark that has been placed on my credit report for the XXXX account XX/XX/XXXX.I also checked the same account with XXXX and you are also reporting a different closed date of XX/XX/XXXX. Please delete this account due to wrong misleading information. Please see attachment..
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

This company continues to send bills for services that were not used for our business!! This was cancelled over a year ago and they continue each year by billing my company with threats! Emails have been sent for confirmation and received! Always around tax time they try to reopens cases
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

I have gotten daily calls for weeks from XXXX XXXX XXXX ( # XXXX ).  I have no credit account with them. They can not locate my name or phone number on any of their accounts. They say they have no records for me and have no idea why they have my number. I have asked them 7x now to stop calling me. Three reps said they can not remove my number from their call list. The last 3 reps I spoke with say they will remove my number, but the calls continue. I may have to file a police report for telephone harassment, as a last resort. I have filed a complaint with the Federal Do Not Call Registry, but the calls will not stop.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 i wrote complaints to the 3 credit bureaus with no success of them correcting their fraudulent practices. They have put out {$60000.00} of fraudulent information on my credit. They violated 15 U.S Code & 1681b.

I am writing to you about my rights that have been violated by the credit bureaus. In closed are the codes that have been violated, and included in this package are the letters that I sent to each bureau. I deserve my protection by law. They have caused me many problems with the misinformation and fraud that they reported. I was waiting on a responds from them 60 days ago and I got nothing. I am seeking help with these issues. I await your response thank you.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK (TN)

I recently paid in full on an account with First Horizon. I actually overpaid and when I contacted them for reimbursement I explained to the representative that I wanted a refund. He proceeded to tell me to just charge the funds. I then explained to him that I wanted to pay off the account and never use it again. He suggested I close the account. I said to him IF I CLOSE THIS ACCOUNT IT WILL AFFECT MY CREDIT REPORT he said NO IT WILL NOT. He assured me of this and said they would close it anyway. HE PROMISED ME THAT IT WOULD NOT AFFECT MY CREDIT. I PAID OFF THE ACCOUNT!!!! I told him if that was the case then I requested that he close it PER MY REQUEST My credit score WENT DOWN due to this particular reason which it states on my report. I want that fixed!!!
Consumer complaint received 2021-09-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-01-28
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. (NC)

OnXX/XX/2019, I tried to dispute with Transunion under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no  response or movement towards resolving the matter.
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Westlake Services, LLC (OH)

I have had the Loan with XXXX XXXX XXXX of the car i purchased in XXXX of 2018. I have been paying {$350.00} in the XXXX of every month till XXXX when without notice all our Contracts were sold to another company. Not one time did they report any of the payments on the account. I was told it would be 30 days since the opening of the car loan. That didn't happen, contacted the company at the end of XXXX to address issue and was hung up on multiple times. Asked to speak to manager and it didn't make a difference. After no notice of the change in company I was told by new finance company that XXXX XXXX has not reported any payments since XXXX of 2018. When i contacted Westlake Portfolio Management LLC in XXXX i was told that it would see it the first week of XXXX for it to report. Spoke to someone in the company beginning of XXXX that reports to the credit and she stated that i should see it in the next 5-7 days. I waited till XX/XX/XXXX when it was still not reported to my credit still and was told it would be escalated to a manager. Still heard nothing regarding this from Westlake about this issue. I spoke with them today and got two different stories from an employee and a manger that went from 30 days to 60 days and that its a transfer loan so its going to take much longer to report. They didn't give me a definite answer on whether or not it has been reported and filed, I keep being told you will should see it next month, and its not on my credit report. Its difficult because I keep being told you will see it next month and nothing is being reported and how are you supposed to rebuild your credit when you are making your payment of {$350.00} every month from XXXX till current month being XXXX and its not being reported.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Blackhawk Network Holdings Inc. (PA)

My prepaid Visa card expired XX/XX/20 with {$150.00} on it. I've only had it 1 year. 

I try calling but, there is no way to reach a live person. 

The company is MyPrepaidCenter.com
Consumer complaint received 2021-12-03
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. (PA)

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, equifax is reporting it as open and XXXX  and XXXX are reporting it as a collection... equifax is also reporting this 120 days late and a collection thats double dipping, equifax is reporting a past due balance on a " collection '' ... .look at the 2 year history it is not uniform across the board which it should be ... there are so many violations
Consumer complaint received 2020-01-28
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: HCFS Healthcare Financial Services of TeamHealth (FL)

For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! 
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek ev
ery legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2018-03-12
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. (NY)

Please remove the following unauthorized inquiries from my Equifax credit report : 1.XXXX XX/XX/XXXX 2.XXXX XXXX XXXX  XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX  XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XXXX XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX
Consumer complaint received 2018-07-31
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: EQUIFAX, INC. (FL)

As of XX/XX/2018, this problem has been going on for weeks. Even when they send my a NEW confirmation number, I always get the same response " YOUR INFORMATION DOES NOT MATCH OUR RECORDS!. This is my last STOP BEFORE I Take them to court JUST BECAUSE I CAN'T get access to my credit reports!

They need to fix the problem pertaining to why I can't get access to my reports when I input the same information they send me
Consumer complaint received 2023-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I took out two loans with Wells Fargo ( Wachovia at the time ) and used my house as collateral. As time moved on, in or around XXXX, suffered financial hardships like many people here in the country were experiencing and filed for a loan modification with the bank. ( Wells Fargo ). I was verbally told that I qualified but needed to fill out the appropriate paperwork which I did. Meanwhile, the bank began aggressive pursuit of filing for foreclosure of the property. After sending in the documents I was told on multiple occasions that certain pages were missing which I highly disputed. Eventually they acknowledged receiving all of the paperwork and would give me a decision shortly. Meanwhile the foreclosure court date was getting closer. Approximately a month before the court date I received a letter stating I did not qualify for a modification because my GROSS income was XXXX cent, yes, XXXX XXXX which was vehemently false as my tax returns would verify. I filed an appeal to no help and was essentially forced to short sale the property which was heartbreaking to myself and my mother who co-signed on the loan. In XXXX I filed a complaint directly with the bank and they reiterated the same reason. Subsequent to seeing the the lawsuit brought on by your agency for the same issues I reached out to the bank on two occasions this year. ( XXXX ). On the first call and requested review after about 10 days the bank specialist told be they closed by complaint with no further actions to be taken because they couldn't find my account number. I followed up in XXXX of this year and provided an account number which they claimed will be used to do reasearch while opening up a new complaint. I was told they'll have a decision within 10 days but around the 8th day the rep called and said they'll need to XX/XX/XXXX. On XX/XX/XXXX I received an express envelope with all of my loan documents as well as a copy of the denial letter from XXXX which stated my GROSS income was XXXX cent. No additional research or review was done. It feels like I am being victimized and defrauded over again and Wells Fargo is refusing to accept accountabilty and properly compensate those whom they willfully and purposely defrauded. I would like to be compensated for the fair market value of the home ( approximately XXXX as well as for punitive damages )
Consumer complaint received 2020-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My husband I applied for credit card and the credit card company denied because too many inquiries according to Transunion credit company. We had contacted Transunion to find out and were told that due to too many hard inquires and they also informed us how to resolve the problems. 

We were told to contact the companies to request " Deletion of Inquires '' and need to submit to them and then they will delete the those hard inquiries. The most of inquiries from mortgage companies because we were trying to find the lowest mortgage rate to buy a house. Transunion understood we were searching for lowest mortgage rate but they can't delete the mortgage companies from the hard inquires list based on what we told them. According to Transunion, they have to receive the deletion of inquiries form from the companies We have contacted the mortgage companies and are told that they never heard of deletion of inquires and its legitimate inquires by any mortgage companies to check their clients ' credit history. 

We are caught between two companies and neither of them would not do anything to help us. I don't understand why the Transnion raise red flag to their customers when they are searching for lowest mortgage rate? 

All the companies told us they can't send us the deletion of inquires verbally when we contacted them. 

We would appreciate if you can convey our frustrations to the Transunion.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (PA)

EOS CCA violated my rights pursuant to the Fair Debt Collection Practice Act. This violation is of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. EOS CCA is in clear violation and I belief EOS CCA does not own this alleged account.
Consumer complaint received 2020-12-13
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: EQUIFAX, INC. (FL)

So, I've been working on my credit since XX/XX/2020. I've made several efforts to pay my bills on time and add positive credit. I've managed to pay down my debt and have been fortunate enough to increase my score using good habits. 
Recently I've noticed that my score with Equifax went from XXXX to XXXX for no apparent reason. My scores with XXXX and XXXX have gone up on a steady basis. My scores with XXXX and XXXX are XXXX and XXXX. My scores with Equifax are Now at XXXX. I have examined my reports to see where things may be different and have yet to see anything that would cause my scores to be this low. My information with XXXX  is a mirror of Equifax. I've called Equifax to inquire about this and no one has answer. My scores have consistently gone up with the other bureaus and Equifax hasn't. I'm in need of assistance and this causing me not be a candidate for purchasing my first home.
Consumer complaint received 2022-05-03
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: Plato, LLC (DE)

XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX SIMPLIO LABS , INC . 
XXXX : XXXX. XXXXXXXX XXXX  SIMPLIO LABS , INC . 
XXXX XXXX XXXX # XXXX XXXX, FL XXXX These companies are reporting hard inquiries on my XXXX credit report that I do not recognize. I do not have any open accounts with these companies.
Consumer complaint received 2022-05-03
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. (DE)

XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX 
XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX # XXXX XXXX, FL XXXX These companies are reporting hard inquiries on my equifax credit report that I do not recognize. I do not have any open accounts with these companies.
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-05-03
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. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, EQUIFAX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the following accounts completely from my Credit Reports : ( Late/Open : XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} )