davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I took my car to one stop automotive to rebuild the transmission in the car and when I came to pick up the car and drove it home I noticed the car was leaking transmission fluid and the transmission fluid pan and gasket and filter and the drain valve were all NOT replaced as agreed with one stop automotive. I paid XXXX dollars with my capital one card ending in XXXX. I towed the car back to one stop automotive bur all he did is put silicon on the pan valve and that is unethical and unprofessional and not as we agreed. The transmission in the car now DOES NOT shift at all and the transmission is still broken and one stop automotive did NOT repair the car as agreed and did NOT rebuild the transmission as agreed and did NOT replace the transmission fluid pan or the gasket or the filter and the car leaked all the Transmission fluid out. Now the car is NOT driving and the transmission does not shift and its broken. So the repairs that I agreed with the shop auto stop automotive to do and rebuilding the transmission were NOT done so I was charged XXXX dollars for repairs that were never done on my car. So I disputed the charge with capital one credit card and until now its not resolved in my favor as it should be. I want capital one to give me a permanent credit for XXXX dollars because I never received the services for that money and the repairs were NOT done as agreed and the transmission was not rebuilt as agreed. So I did not get the repairs for the money I paid. Capital one needs to resolve this dispute to my favor and give me a permanent refund and credit for XXXX dollars. The disputed case with capital one card is XXXX. I did not receive the repairs I paid for and the transmission is not shifting and not working and one stop automotive gave me a one year warranty which they are NOT honoring and they are not refunding my money and NO repairs as agreed were done to the car
Consumer complaint received 2022-08-09
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: CITIBANK, N.A. (NY)

unauthorized inquiry XXXX  credit report citi cards XX/XX/2021 and also XXXX XXXX in XX/XX/2021 and also us small business administration also XX/XX/2021 i am contesting these issues.
Consumer complaint received 2021-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (NV)

Opened a letter from a 3rd party debt collector for a hospital bill from 2018. This is the first notice of this bill. The hospital has never reached out, sent any type of bill or allowed me to pay before sending me to collections. This is the very first time im seeing this bill which is now a debt collector and is now on my credit report. I am not paying a debt collector but would like to pay the actual hospital. How can a hospital never ever send one single bill my way but a debt collector can find my address? Not ok. I visted this hospital in 2018 over a XXXX XXXX which is involved in me suing the other party. Since 2018 they have NEVER SENT me one bill and I've been at the same home since 2018. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada.
Consumer complaint received 2023-04-16
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (CA)

On or about XXXX I received notice from XXXX that an account was opened or attempted to open using my SSN with PNC Bank N.A . I have never applied for anything with PNC and and any application they have received is fraudulent. 

I immediately attempted to contact PNC Bank and they refused to act on my complaint. They refused to acknowledge that they received any application using my SSN. They subsequently refused to reveal what, if any credit reporting agency or specialty credit reporting agency they accessed to obtain my information.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-07
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I filed a fraud claim for an XXXX transaction in the amount of {$480.00}. I was provided the provisional credit fromBOA while the claim was being researched. On XX/XX/XXXX XXXX credited my credit card account for the fraud and on XX/XX/XXXX BOA removed their provisional credit. On XX/XX/XXXX, BOA removed the credit again, essentially double charging the account. I contacted the bank on XX/XX/XXXX and was told that the claim would be reopened and the charge would be reversed. On XX/XX/XXXX I was charged again in the amount of {$340.00} and {$130.00}, totaling {$480.00}. I called again this day and they said they would make a note on the open claim. On XX/XX/XXXX I was charged again for {$480.00}. I called Bank of America again and was told that the claim was re-opened on XX/XX/XXXX, When I initially called on XX/XX/XXXX. No one is able to tell me why I keep getting charged nor when my account will be made right. To date Ive been charged {$1400.00}. I would like my account restored immediately as well as corrections made with the credit bureaus as these amounts are being reported as part of my balance.
Consumer complaint received 2022-08-09
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: EQUIFAX, INC. (IL)

There are still inaccuracies on my Credit report, which are 2 XXXX XXXX # ending in XXXX and XXXX. I have not gave them permission or consent for these accounts. under 15usc 1681a ( 3 ), they have done things without my permission. Also they did not respect my rights to privacy pursuant to 15 use 1681 a ( 4 ) as well. they never had permissible purpose which is under 15 usc 1681b ( 2 ). I never instructed them to furnish this report and I never consented to this at all.
Consumer complaint received 2016-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (AL)

Getting calls from a number from a company claiming to be Midland. Caller says name is XXXX XXXX and he threatens to deliver papers to my place of employment and a case is being filed against me. I 've already been to court and settled with Midland.
Consumer complaint received 2016-06-01
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

I received a total of XXXX phone calls from XXXX different phone numbers, all belonging to Navient Corporation, in the span of 10 minutes. The same happened to my co-signer. This is an attempt to collect a monthly payment toward my student loans. I am up to date on my payments, and made a total of {$700.00} worth of payments two weeks ago. It is the first of the month and the harassment begins again.
Consumer complaint received 2016-06-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions (TX)

I was never contacted or sent anything in the mail about this debt and one day it just popped up on my credit so I had to research myself to get a number and when I called the women was so nasty and rude and would n't let me even ask her anything she just kept saying " how are you going to pay for this debt credit card or money order '' the amount is absurd and I do not owe it. Every time I dispute it they wait a month and put it right back on my credit.
Consumer complaint received 2023-04-16
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: EQUIFAX, INC. (SC)

COMPANY EQUIFAX IS REPORTING FRAUDULENT ACCOUNTS ONMY CREDIT REPORT. THIS COMPANY HAS BEEN INVOLVED IN MULTIPLE DATA BREACHES, CIVIL LAWSUITS, AND CLASS ACTION LAWSUITS. THIS COMPANY AGAIN IS REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE REMOVE ALL ACCOUNTS AND UNAUTHORIZED INQUIRIES ON CREDIT REPORT.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (SC)

FRAUD. THIS CARD WAS OPENED FRAUDULENTLY UNDER MY NAME. I AM A VICTIM OF IDENTITY THEFT AND I WANT THIS CARD THAT I DID NOT APPLY FOR REMOVED FROM ALL CREDIT REPORTS IMMEDIATELY.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$13000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-02
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. (TN)

XXXX   2017 ,  XXXX  formally  XXXX   XXXX  reported incorrect information to all   XXXX   credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This item was disputed previously. 

Transunion manually updated this Tradeline. 

However - it is an orphaned record from XXXX that has n't been updated since they converted to XXXX. 

This account : 1. Was opened XX/XX/2014 2. Is missing its ALL Balance History for the duration of the time the account had been open 3. Is missing ALL Payment Data for the duration of the time the account had been open 4. Is incomplete and inaccurate
Consumer complaint received 2015-11-07
Product: Credit card — 
Issue: Delinquent account — 
Company: ENCORE CAPITAL GROUP INC. (IL)

I have received phone calls from Midland Credit Management about a claim they say I owe to a company called XXXX XXXX, which I closed years ago. I am very upset they contacted me at home since I have never given out my home phone and it is unlisted
Consumer complaint received 2022-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

I received a letter in the mail from Convergent Outsourcing Inc. stating I owed {$1200.00} from XXXX XXXX XXXX XXXX XXXX out of XXXX, TX. This is for a house with the address of XXXX XXXX XXXX XXXX, XXXX, TX. I have never lived in or owned property in Texas. I had also never received a bill from XXXX prior to the debt collection notice. I called the debt collection company who directed me to XXXX. When I called XXXX they wanted my social security number and birthdate to " verify '' the account, which I did not give them. They sent me back to the debt collection company who then filed a fraudulent charge claim with XXXX. I have not yet heard back but did notice that this alleged delinquent payment and collection action is showing up on my XXXX credit report.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GUARANTEED RATE INC. (FL)

I paid Guaranteed Rate the balance of my mortgage {$280000.00} and they sent it to XXXX XXXX but did not put an account # for the XXXX account it was to be put into. Now XXXX can not find the funds. I have been working with XXXX but to no avail. I have asked Guaranteed Rate for help but no one calls or emails. I just want my money back.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Hello Consumer Financial Protection Bureau? I am XXXX XXXX, I am Writing to You All about trying to apply on Several attempts, To apply for a Payday loan at Ace Cash Express. The first time was On XXXX XXXX XXXX. I was turned down due to mistakes on a credit report. Then, I wrote and asked them what happen on the application? They then, wrote to Me again and told me to apply One more time at the same place. I did what they told me to do over the Phone. I applied two times in ONe day? I still was turned down. Then I called the Corporate Office on XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXe. Told me to wait on the Certified Letter coming in from her? I did. It came in on XXXX XXXX XXXX. I stated I did not owe them anything so I should NOT have any trouble reapplying for my loan. I waited Until the day, of XXXX XXXX XXXX. I went to the store on XXXX XXXX here in XXXX Tennessee. She then said where is the Letter, I gave it to her, and She laughed at Me. She then, took the information and told me to write all of it down. I did again and fill out the loan application to get started with. I did? She then told me to write on the application my full name address and how much of the loan I qualify for. She then said, Ok? then 2 pieces of Paper come up and she told me, My XXXX XXXX You do not qualify for a loan. I then asked here why? She told me that the XXXX pulled up some derogatory information that was in the computer at the time. I told her my score is XXXX and why are you all using a POS machine on a Payday loan anyway. I did not know we had to have very good credit in order to receive a payday loan. That should not have happen on the third time around. She basically pulled information up so she would deny me of the loan. I then told her, Let me speak to the Owner or the manager. She then told me to leave, because the owner is not here, and I needed to get Out '. She had ran a credit check on me without, My permission or telling me this information. Then they would not let me speak to anyone on it. Calling the texas office, did not help either. they said she did what was right from the start. I do not think Pulling Up a credit Report without, permission or even asking me before hand was Right. This is how I was turned down for the Loan in the first Place. She called me today and asked me to go to other places To Reapply, I said No, I may report this to someone. It is unfair to Me. I do not have anymore gas to go and reapply at the same place or even another store. She then Hung up the phone. I think this is just wrong to do customers this way.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over 7 years an it has not dropped off yet.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It is the second time that credit report companies XXXX and Transunion insert incorrect information on my Credit bureau. Right now as of XX/XX/2017, it appears a debt in collection from XXXX for a total of {$700.00}, apparently from an early default from XXXX. I have never got services installed with XXXX in my life. And this situation of having incorrect information and/or possible identity theft have been a nightmare for me. I have to resolve issues every time because this kind of information is appearing constantly on my credit report, affecting myself deeply. I request that the collection reports that appear on my credit reports to get removed. From a previous case, there is a police report ( see file attached ) in all XXXX credit reports, stating that I was victim of identity theft and have to perform this for a previous case. I need this issue to be solved at once, because right now is affecting my possibilities to own a home thanks to the collections that incorrectly appears on my credit report. I would like to please help me out with this issue, because it is been a complete nightmare to deal with this issues by myself. I really do not know what else to do.
Consumer complaint received 2021-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

This XXXX MC account was originally with XXXX XXXX  and was always reflected as in GOOD STANDING from opening account date in XX/XX/XXXX. Upon the taking over of XXXX XXXX  by CBNA in XXXX, I was informed VIA the credit bureaus on my credit profile that this previously OPEN and in GOOD STANDING account was NOW reporting by CBNA as CLOSED and ACCOUNT INCLUDED IN BANKRUPTCY. Up until XX/XX/XXXX I was STILL USING MY XXXX XXXX XXXX CARD WITH NO PROBLEM. 

I have NEVER had a XXXX MC with XXXX  OR CBNA INCLUDED IN ANY BANKRUPTCY. So either this is fraudulent activity or CBNA is continuing to be allowed to REPORT INACCURATE FALSE INFORMATION with no recourse. I have tried on MANY failed attempts to get this investigated and resolved and have received NO HELP from XXXX or CBNA on the INACCURACY OF WHAT IS REPORTING. As a result of this my credit has been damaged and I have been denied additional credit opportunities. XXXX  continues to report INACCURATE information as VERIFIED. 

How can a company acquire a new XXXX account and be allowed to FALSELY MARK ( at will ) a GOOD STANDING account as now DEROGATORY and INCLUDED IN A BANKRUPTCY upon acquisition? 

I am seeking assistance on getting this matter resolved and this inaccurate account information DELETED immediately from my XXXX  credit profile. I don't mind the account being listed as closed since new ownership ( the damaged is done ), but would like my ACCURATE GOOD STANDING account information since XXXX to remain if possible. 

Your assistance in this matter is greatly appreciated.