davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-06
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. (CA)

There are 11 inquiries showing on my XXXX  and 20 on Transunion that I did not authorize. I am a victim of data breach, identity theft and have requested these inquiries be removed from XXXX/Transunion and have had no success.Both Reports show 8 XXXX accounts student loans that are discharged and very old accounts showing derogatory and 1 XXXX XXXX  XXXX XXXX, the credit company just keeps updating the date so it remains on my credit repirt. Account for XXXX XXXX account Balance {$4500.00} showing negative and as Authorized user when I never signed any documents or aware of this account. XXXX XXXX as well is Fraud. I have requested over the phone removal of these items and they are very aware of my Police report as well as the discharge of my student loans. The loans are incorrect information showing. Please have them removed from both reports immediately as this is not the first time I have to go through CFPB.
Consumer complaint received 2024-03-14
Product: Credit reporting 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 (TX)

I looked up my XXXX XXXX on XXXX XXXX like i always do on XX/XX/year>. I saw a hard inquiry on my account from Capital One. I tried to call the number on credit karma and they wanted a card number which I do not have due to not having an account or even wanting to open an account with Capital One. So I looked up the customer service number to try to get more information on it and the guy I spoke to XXXX sure what I was asking about. He said to speak to anyone on why Capital One has a hard inquiry on my account I needed to call the Credit people of which the account was posted and then I asked for more information and he said give me XXXX moment and I waited for XXXX minutes for a response from him and then the call just ended. So i called the Credit place and they helped me out but first they said i should call Capital One which i had already done and i told them that. I have no tried or am not wanting to open an account with Capital One. I recieved an email from them this morning saying they cant approve my application but i havent even applied for anything with them.
Consumer complaint received 2021-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX this is a paid account and closed with a zero balance. Per FCRA if an account is paid in full current payment history is reported. Ive sent dispute letters to all three credit reporting agencies to remove the payment history that is more than two years old. It is still being reported incorrectly and I haven't received any response.
Consumer complaint received 2021-02-11
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: Great American Finance Co (IL)

There is a fraud account from Great American Finance opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}. 
Same with XXXX XXXX XXXX there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc (AL)

I received a letter from a collection agency for something that I didn't order. Status : Unanswered, I tried to call and was put on hold several times and no one ever answered. Date Received this collection notice : XX/XX/XXXX Reference # XXXX I received a notice from National Medical Administrators ( a collection agency ) for an amount I never charged nor did I buy anything from this company. I received a letter from this collection agency in the mail today XX/XX/XXXX asking for {$110.00} for XXXX oil that I never purchased. I had filled out a survey that said I would receive a prize for filling out the survey. After filling out the survey it took me to a web page where I could choose my prize and all I had to do was pay the shipping which I did. I then received the oil in the mail shortly after that. There was no indication that I owed anyone anything. After that, I had to change my debit card because someone hacked into my account. I assumed it was from this scam and I was very upset that I had even answered their survey, but grateful my bank caught it. I have not received a bill, until I received a letter from this collection agency saying that they have been retained by XXXX XXXX XXXX  for an obligation that I am responsible for this is the first I have heard about this. I never ordered anything from this company and never received a bill. I want this matter resolved so that I do not owe anyone any money, since I never ordered anything.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: COMMUNITY CHOICE FINANCIAL, INC. (PA)

Received a scam email Dear Debtor, Despite our continued requests and patience, your past due balance of {$1200.00} remains unpaid. 

We have reached the point that unless the balance is paid in full or satisfactory payment arrangements are made by XX/XX/2021 then we will have no choice but to refer your account to the courthouse for lawsuit. 

This is not a step that we like to take, but you have failed to honor your commitment. 

We did our part and are hopeful that you will do your part now. We are sure you will agree that a good credit rating is important for everyone. 

This is our final request for cooperation. 

Sincerely, XXXX XXXX Legal Department Cash Central
Consumer complaint received 2020-07-23
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE 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 RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-06-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (CO)

My payment date was changed over the phone several months back. Due to my spouses death I have lost 40 % of my income. I spoke to a supervisor from the financial group and was told the date can not be changes and I now owe 2 payments which I can not make. They are not willing to work with me or ever listen to my issue. I just cant make these payment today as I have no funds. What can I do?
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

Good morning -- We refinanced with New Rez LLC ( which was also our previous mortgage company ) in late XX/XX/XXXX. All of our closing documents stated our first payment was due XX/XX/XXXX. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, I had been in touch with New Rez LLC to inform them that I received an email and a bill all stating the incorrect first date payment. Each time the customer service agent stated that it was escalated to Tier 2. They additionally acknowledged that it was a mistake by the Processing Dept but would not and claimed they could not get me in touch with that department to fix the error and they would send email. Each time, I asked that an email be sent to me to inform me that the mistake is being corrected and that indeed records do show that the correct first payment date is XX/XX/XXXX. I indicated that I want to be covered legally as this is a big issue and I'll not be paying a XXXX payment, as my closing documents clearly state XX/XX/XXXX.
Consumer complaint received 2023-04-06
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. (NY)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's le be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will ght back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be conrmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more condent in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2020-12-03
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. (CA)

Equifax is reporting incorrect information on my credit report. They are reporting one account that I closed back in XXXX of 2020 as 30 days late. Which was closed with a XXXX balance and the account was never late. This merchant has reported my closed account on other credit reporting agency as 30 days late 5 months after the account was closed. I've also sent to the Merchant debt validation request letters which they failed to do. 

There is a collection account that is not my account. Again I've contacted the company requesting debt validation which they failed to provide me with under the Fair Debt Collect practices pursuant to 15 USC 1692g Sec 809 ( B ) of the FDCPA. The letters were sent on XX/XX/2020 and on XX/XX/2020
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The account was a secure card. I used the card for the amount I prepaid and the institution is still asking me to pay the full credit card prepaid amount plus interest. I explained to them that the money that I used was initially my money and that they are causing damage to my credit. 
But they keep reporting negatively on my credit.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (CA)

I Set up automatic payments to occur on monthly basis for set loan amount. The automatic payment did not post, therefore I called to follow up and of course not showing being set up, but came out on XX/XX/2024. The online system is not up to date in regards to payments, representative provided a different payment amount showing on online system. This company has poor communication and inaccurate payment history, that has caused a negative impact on my credit history in the past.
Consumer complaint received 2021-05-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (VA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Recovery Services, LLC (MS)

Absolute Recovery Service at XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX has been sending me collection notices in the amount of {$4600.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I was never notified or have I been to court about this matter.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

There was a Collection on my Credit Report LVNV FUNDING LLC, account was opened XX/XX/2017 ( XXXX yrs, XXXX mos ). A credit repair team CRR, have helped to contact LVNV but we have not heard back from them. I would like LVNV FUNDING LLC to contact me so this issue can be resolved so is no longer showing on my credit report. 

Thank you
Consumer complaint received 2021-01-27
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: JPMORGAN CHASE & CO. (VA)

Inquiries were unauthorized by me. The contract or lease agreement was never signed or authorized by me. I had a security freeze placed on my account. I am unsure as to why JPMCB was able to pull my credit. The company XXXX XXXX has sent a cancellation request for an unauthorized loan/agreement for a car or vehicle. 

I tried working with both JPMCB and XXXX  to remove these unauthorized inquiries which has cause my credit score to decrease from XXXX to XXXX. My next action is to follow through with legal action if these inquiries are not removed.
Consumer complaint received 2023-01-19
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. (NJ)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (PA)

XXXX allowed unauthorized individuals to open ( 2 ) phones under the accounts 3 or more months after my account was closed. I was verbally told on a number of occasions that the account was closed and I no longer had any financial obligations. A year later in XXXX of XXXX XXXX sent a total of {$1900.00} to a collection firm against my previously closed account. I disputed with XXXX and neither the mailing address or passwords on the account were mine or my residence. I repeated the fraud dispute with XXXX over the period of a year and nearly 40 hours on the phone with XXXX attempting to resolve. XXXX ultimately refused to acknowledge any fraud or errors on said account. I never received a phone call, bill or notification of this account from anyone other than the collections agency who has recently sent me the same fraud dispute process document I've done already went through with XXXX. I was completely mislead by XXXX team in telling me my account was closed and by the XXXX fraud dispute team by determining a account with a passcode I didn't know with a mailing address not belonging to me was my account. It is now XX/XX/XXXX and this debt has been submitted to collections twice under different agencies. I will continue to dispute as the account that was opened was never authorized in the first place.
Consumer complaint received 2018-10-16
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. (AZ)

I mailed the first letter to TransUnion on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from me
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NC)

I sent a debt Validation letter on XXXX certified mail, in which the company National Credit Systems signed for it. They later sent me a copied billing of alleged debt, they did not send me a transfer of debt contract which is required by the state on North Carolina and they also did not send me a valid active surety bond in the amount of XXXX which is required in the state of North Carolina in order to be a debt collector. Instead they sent me the same billing and completely disregarded my letter. I followed up with a 2nd letter with a response that they did not show proof to be a legal debt collector in the state of North Carolina per the requirements set forth by the state of North Carolina. I supplied them a copy of the North Carolina requirements to be a legal debt collector. They did not respond to my 2nd letter.It has been more than 45 days without any response from National Credit Systems. Instead they sent same letters they first sent to me, now to my fiancee. I am now responding with the same exact letters I sent them, for her.
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc. (IL)

We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted XXXX and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the XXXX CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap
Consumer complaint received 2020-12-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

During the 1st week of XX/XX/2020 Synchrony Bank started calling XXXX a number that is not listed on my account. This was in an attempt to collect a debt that I was told had deferred payments for Covid and was told not to resume any payments until XXXX of 2020. The debt collector called and called and called and spoke to my mother XXXX XXXX my mom was not aware of a debt and the skip tracer was trying to probe. The asked for my moms social etc. During the call they validated my mother did not have a debt but they told her XXXX did. My mother does not have any authorization on any of my accounts and should not know that any account was delinquent. The person proceeded to tell her I was delinquent and by how much and that I needed to call them ASAP. Upon this my mother called me concerned. She sent me a pic of the call back number to call. I called the number and asked why was my rights violated as a consumer this happened around XX/XX/XXXX the lady on the phone was rude didn't answer any questions and didn't offer any help. She claimed that the XXXX number was not on my account yet my mother had all of my detailed information This is a clear violation of debt collection rules. I told this person this on the phone asked for a supervisor and she placed me on mute and never came back to the phone. Till this date I never received a phone call to discuss. At this point my only recourse is to sue for this situation. The number I called them from is XXXX this is for Synchrony Bank Discount Tire Credit Card