davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-31
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)

On XX/XX/. I received notification from XXXX of an unauthorized credit inquiry on my Equifax credit report. The date of the inquiry was XX/XX/ from XXXX. I immediately notified Equifax that the inquiry was not authorized by me and that I did not give XXXX permisable purpose. This was done online through their website. The next day I received the following statement " Inquiries are of factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry ''. I contacted them again and specifically stated that this inquiry was not authorized by me and that it is not factual. This letter was mailed out on XX/XX/XXXX  and sent certified mail. On XX/XX/XXXX  I received a copy of my credit report with the credit inquiry still being reported on my credit report. They also stated that they will not remove it. As a result I am filing a complaint with your office and will take civil action if necessary if this isn't removed from my credit report.
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: Experian Information Solutions Inc. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I he.ve 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 anyone consent to open. Please delete these items from my accounts as soon as possible. US DEPT OF ED/XXXX,  XXXX XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. 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.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

Barclays Bank Delaware has been furnishing my account information to credit reporting agencies on an account that my father was the primary account holder and I was only an authorized user. My father passed away in XX/XX/XXXX and the account was closed in XX/XX/XXXX after I notified them that my father had passed while trying to have myself removed as an authorized user. Because the account became delinquent in the aftermath of my father 's passing, my credit report has been negatively affected since I am still listed as an authorized user despite the fact that I am not legally liable to pay the debt that my father accumulated. I have called Barclays several times to be removed as an authorized user and they tell me their Customer Service can't remove me from an account that is already closed. I sent a formal dispute to FCRA Credit Bureau Disputes, twice, and have received two letters from them, the most recent dated XX/XX/XXXX saying that the information they are reporting is accurate and that if I would like to be removed as an authorized user to call their Customer Service at ( XXXX ) XXXX. When I call this number Customer Service says they can't remove me from the account because it's closed, then they connect me to XX/XX/XXXX, who told me they also can't remove me from a closed account. I don't know what to do at this point, I keep getting the run around and just want to be removed as an authorized user on this now delinquent / closed account so it doesn't continue to negatively impact my credit report.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

In XXXX of XXXX XXXX XXXX  lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX  but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we  cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are  records of correspondence with XXXX XXXX  : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX  has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX  customers aren't put through what we have been through. Please help!!!
Consumer complaint received 2020-07-09
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. (NY)

Experian responded to my original complaint by telling me I am not me. Please see attached social security card and my Identification and FTC reports for the second time. please review
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have had CapitalOne Quicksilver One card for a number of years. I have been grandfathered in from my first account, because CapitalOne does not have a Quicksilver card that is no annual fee, I would call in and the fee would get waived. The Capital One Member Fee of  {$19.00} was charged on XX/XX/2020. Due to the Pandemic I did not realize a fee was charged, I was more concerned with making sure all of my bills were paid on time. With the recent bill I received I noticed that there was a fee charged, I called in and explained the situation and was informed by one team member that I should have called within 30 days of the fee being assessed to get it removed, when I asked to speak with a supervisor, I was told by the supervisor that they are not waiving Annual fees this year due to the Pandemic. I understand it is only {$19.00}, however, with this Pandemic one would anticipate for a credit card to work with their card members.
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 — Account status incorrect
Company: EQUIFAX, INC. (UT)

In XXXX of XXXX XXXX XXXX  lost our XX/XX/XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX  but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with XXXX XXXX : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX  has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX  customers aren't put through what we have been through. Please help!!!
Consumer complaint received 2017-08-12
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. (TX)

still showing inquires all company due to ID theft not mine XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX. XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX +
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 is missing that should be on the report
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, Wells Fargo emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from Wells Fargo about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with XXXX  and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with Wells Fargo, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted XXXX, specifically, and they told me that it is Wells Fargo 's responsibility to report my credit card information.
Consumer complaint received 2020-09-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (MO)

This loan was paid XX/XX/2019 to National Credit Adjusters, ( collection co. ) but when i contacted them they refuse to remove this account from XXXX. 
Contact info for the collection co.- XXXX XXXX XXXX XXXX XXXX , KSXXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (TX)

LexisNexis continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed as this would be identity theft and my address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX any other address is not correct and will cause issues with my credit applications and me receiving my mail. LexisNexis is required to report accurate information or this is a violation of my consumer protection rights known as the FCRA.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems ( TSI ) sent me a letter dated XX/XX/XXXX informing me that I owed the creditor XXXX XXXX XXXX XXXX account XXXX for former creditor XXXX  the amount of {$76.00} dated XX/XX/XXXX. I contacted XXXX who confirmed this debt. I had no knowledge of this debt when I closed my account with XXXX. I then paid TSI the {$76.00} online using my XXXX XXXX debit card because TSI refused to be paid by credit card. The confirmation number is XXXX. 

TSI has NOT CONFIRMED that this debt is paid as of this time. I called them last week and told me that they don't know when this will be cleared or whether it would hurt my credit rating.
Consumer complaint received 2020-07-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (PA)

Due to previous loss of income and a current reduction in hours due to covid 19, we have several late or missed payments. In an attempt to collect payment Ally Financial informed me that a payment was needed in order to keep a repossession from happening after I attempted to communicate with Ally for a few weeks to no avail as their computer system was being upgraded and they could not offer insight nor assistance into the account. When their system went live, they automatically requested payment on that date to avoid repossession. This payment was made within a few hours of the request and they stated that the vehicle would not be repossessed and it wasnt. However, I recently became aware that our credit reports show a repossession. 

I feel that Ally acted in bad faith as I was not informed prior to or notified after payment that a repossession would be reported to the credit bureau since the vehicle was not repossessed and payment made upon request. Had I known that a repossession was going to be on my credit report I would have surrendered the vehicle at the time. I asked that this be removed from the credit report as being the purchaser I did act in good faith by maintaining contact with Ally and making the requested payment to avoid repossession. This request was denied. In addition, an extension was requested due to a reduction in hours due to the pandemic. This too was denied while the representative informed me that workers are working from home so departments are delayed with communicating with one another. _
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC (CA)

I have already disputed the initial letter that I received from this debt collector thru on the phone and with certified mail. Please STOP sending me repetitive letters to collect debt over and over. I have a lot of pain and suffering already since last year I had been scammed big-time. The detective 's name that handling my fraud case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Then, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. XXXX of the FBI Special Agents called me on the phone and interviewed me for about XXXX hour and XXXX minutes. 

Please see attachments as evidence. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the XXXX in XXXX XXXX, California whose handling my fraud case currently. 

Thank you very much for your understanding and consideration, XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

PLEASE SEE RECENT ADDITIONAL RELEASED OFFICIAL DOCUMENT FROM THE LAW ENFORCEMENT AGENCIES SINCE I WAS A VICTIM OF GROSS FRAUD. FRAUD COMES IN DIFFERENT SHAPES AND FORMS, NOT ONLY IDENTITY THEFT. The fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime which I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim.

The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX XXXX XXXX Fraud Department in California : XXXX XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. Also, please see attached copy of an actual Police Report that they released to me which was approved by XXXX  XXXX when I picked it up from the XXXX XXXX XXXX XXXX last month. 

Then, the FBI XXXX XXXX named XXXX XXXX XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. He called me on the phone and interviewed me for about XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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. (FL)

I financed a car thru XXXX  XXXX and 2 years after I bougth the car I had a car acciden which resulted in total loss. My insurance paid for the car and then I had gap insurance also and paid the rest of what was owed. XXXX XXXX recived all the money and I owed XXXX but they sent the account to charge off wich I had disputed in all credit bureaus but it always comes as account verified and no change in the charge off. It is hurting my credit and need this matter to be solved.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (IN)

Convergent Outsourcing notified me of a debt that had from XXXX in the amount of {$1200.00}. I called them on XX/XX/2020 to try to settle the debt with them. I told them I had {$700.00} to pay and they said the settlement amount they could take was {$810.00} which I agreed to. I paid {$700.00} electronically that moment then scheduled a payment for the {$11000.00} for XX/XX/XXXX. I have email confirmations of both payments and records of the payments out of my checking. On XX/XX/XXXX they reported to the credit bureaus that I owed them {$550.00} still and reflected this in their system. I called them on XXXX to confirm payments went through and debt was settled. I got confirmation over the phone and requested an email showing that. Never received it. On XX/XX/XXXX they again reported to the credit bureaus that I owed {$440.00} and again I called them on XX/XX/XXXX. Again got confirmation this was being fixed and documentation sent out. I have yet to receive anything from them. I called once again on XX/XX/XXXX and said they couldn't find my account then told me they handled XXXX XXXX XXXX customers not XXXX. I have been trying to buy a house and this caused me to lose my offer on a property. I don't know how to get this fixed at this point.
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE INQUIRIES ON MY FILE. THESES INQUIRIES DOES NOT BELONG TO ME, THOSE INQUIRIES WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (MI)

PayPal sent me a credit card in the mail that I never requested. I called the customer service number on the back of the card to cancel it. The automated voice said my telephone number caller ID was valid. I entered the last 4 digit on the card, but the automated voice said the last 4 numbers on the card they sent isn't actually a valid number. Good grief, it's right on the card they sent! So I hit 0 for an operator, but the recording said their customer service is closed due to covid-19, and the robot phone handler hung up on me. Given that they have employees working to send people unsolicited credit cards, why is there no customer service? And who would want a card anyway, from a company who doesn't have any customer service for it?
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIGY SOLUTIONS INC. (TX)

My vehicle loan was being serviced by XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). I received statements from my company up till the middle of XX/XX/2020. On XX/XX/2020 I sent a payment through XXXX XXXX for the amount of {$410.00} as i typically would. On XX/XX/2020 i called XXXX and they advised me that they no longer serviced my account and it was sent over to another company by the name of XXXX XXXX. I was given a phone number to XXXX XXXX. I called XXXX XXXX and they told me that my account was being serviced by XXXX. For the week and a half I've been in contact with both company 's, XXXX and XXXX XXXX, and they both are telling that don't service my account and I have to call the other. No one from either company can tell me who is servicing my account. I have not received any form of letter from either company explaining to me the status or the update of my account. I was never provided any type communication of whom bought my account or that it was turned over to another company. I've reached out to XXXX and the only response that i get is to call XXXX XXXX. I then spoke with a Supervisor by the name of XXXX whom works for the company Credigy Solutions. Credigy is a contracted by XXXX to service clients over the phone. XXXX stated to me that she would reach out to her analyst to find out if the account is with XXXX or XXXX. I called back and when XXXX was available I would speak with her briefly and she told me that i had to call another phone to XXXX XXXX. I called XXXX XXXX  and they told me that XXXX  has my account and then just transferred me to XXXX. I just keep getting pushed around to someone else. No one can tell who has my account. I don't know if there is an account number but they are able to locate me by my Social Security Number which i provided as the account number in this complaint. Credigy Solutions is  XXXX. XXXX XXXX, XXXX GA XXXX. Phone number XXXX