davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
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. (WA)

An individual has used XXXX XXXX in XXXX to open and account or purchase a phone using my name. I have never been or will ever be a XXXX   customer. The amount is {$1100.00} and I have a phone number attached to my credit report that I have never seen or used starting with I believe XXXX or XXXX. I have never been in a XXXX XXXX store, never signed anything with XXXX and have never received a call from XXXX XXXX or a collection agency on this matter. I hope they have a video of this person or signatures that we can verify arent me.
Consumer complaint received 2019-11-05
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)

XXXX XXXX XXXX  XXXX is showing up on all 3 of my credit bureau reports and I have not recollection of this account. I have disputed this with the creditor and the credit bureau 's and nothing has been done on the accounts. XXXX, Equifax, or XXXX has furnished the information that I requested to proved and validate that this debt belongs to be. All the furnished was a statement stating that the verified it was my account and when i asked for the documents showing that this is my account the have not yet provided this information to me. The are reporting two accounts one as paid and closed and one as charged off. This information is incorrect and not true.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on-time as they should be, as I was Never late. Thanks
Consumer complaint received 2017-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

This debt was already paid and I have contacted XXXX and told them that I have paid this debt XXXX to XXXX years ago. I also contacted the company which stated this should not be on my credit but XXXX refuses to remove it.
Consumer complaint received 2017-11-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently ordered my credit report from XXXX and noticed a number of unauthorized enquiries.There were enquiries from 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 I called and spoke to a representative who advised me that nothing can be XXXX therefore reaching out to this entity to do an investigation because I would like these enquiries removed .TY
Consumer complaint received 2020-05-25
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. (TX)

After receiving emails from the bank for COVID-19 relief on my auto loan account, I requested the relief but continued getting collection calls. I sent them an email and referenced the relief request, I was told to call. I called again and requested the relief and thought all were fine. But, again, i started to receive calls and noticed late payments on my credit report. I contacted the bank ans asked why I was still getting calls and reported late payment but, instead of answering my questions, the representative hung up the phone. I was only 7 day past due on my account buy still receiving almost daily collection calls even though there was a relief.

I tried to close the account but they wouldn't let me close the account either. This bank is a crook.

This negative reporting has dropped my credit score significantly that the Department of Education has denied my child 's parent Plus Loan.
Consumer complaint received 2017-09-14
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: EQUIFAX, INC. (TX)

Due to Equifax breach, I froze my credit and my wife 's. I had to pay {$10.00} each to TransUnion and {$10.00} each to XXXX for a total of {$41.00}. Why should I have to pay to protect myself for the failures of Equifax? They, along with the other agencies, collect and sell my personal and financial information without my consent. Freezing your credit should be free for everyone. Make it a federal law.
Consumer complaint received 2017-09-14
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX/2015
Consumer complaint received 2020-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Ive filed multiple complaints against usaa from their improper handling of my auto loan. Usaa is now taking action on my checking account and putting holding on funds put into my account when I have more than enough to cover the amount in the account. Usaa has taken unfair actions against me and they need to be looked into. This is just another unfair practice
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint against Experian for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX. I need EXPERIAN to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the items. 

XXXX XXXX XXXXXXXX XXXX, BANK XXXX XXXX XXXX
Consumer complaint received 2019-11-05
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)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2017-09-14
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. (NY)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX FED CU XXXX XXXX/XXXX/XXXX
Consumer complaint received 2019-11-05
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. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (CO)

I found out about this debt for the first time from my brother contacting me on XX/XX/year> to inform me that this company claiming to be a law firm was trying to send me court papers to sue me for a debt that is owed. so I called them back very upset because i never provided my families information to anyone and they do not have the right to say that they are going to sue me and not even notify me by mail or phone. They refused at first to give me info for their company. He told me to call back when I have a better attitude. Then on XX/XX/year> another person with a very thick XXXX accent but told me that his name is XXXX XXXX. When I told him that is not your name he replied that is his business name. So their employees are giving false information. I then asked why they did not contact me and they just kept asking me for my routing and account number when I told them absolutely not I will not be giving some random people giving fake names over the phone my back info she started to make threats that if I did not and if I hung up the phone she would me suing me and making things for me way worse. I ended up ending the call. I called back to get the name and let them know that they violated the FDCPA multiple times by not stating the mini Maranda, lying about their names, not stating who they are, refusing info, contacting my family and thats when they told me the name of the company. The company is Midland Credit Management company phone XXXX when i looked them up they have been reported multiple time to the XXXX  and other issues.
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (GA)

As Dated XX/XX/2023, I, XXXX XXXX, XXXX did not give written instructions to equifax to furnish the identified transactions on my consumer report.
Consumer complaint received 2022-03-29
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. (GA)

There are XXXX accounts that appear on my credit report that do not belong on my credit. These items are fragluent and need to be removed immediately. As well as, addresses and names that do not belong on my report. 

The only address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Also the only name that belongs on my credit report is : XXXX XXXX Please correct this information immediately, this is affecting my credit worthiness.
Consumer complaint received 2018-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2018, at XXXX XXXX. I went to Bank of America at XXXX XXXX  XXXX, XXXX, Texas XXXX, and tried to use the Virtual Teller. The teller came on the screen and advised me to put my Drivers license on the screen. Next he advised me to insert the check I wanted to cash for {$1400.00} thru the ATM window. Within minutes the teller told me the check was stuck in the ATM machine, and could not be retrieved. I would have to file a claim with the bank. I am not an account holder of Bank of America, and have been trying for 2 weeks to either get my money or get my original check back. The teller gave me a receipt for the transaction, and I called the Claim department and filed a claim. I have been told something different everyday by this Claim department, including they do not balance the ATM machine everyday, and this process could take 45 days. I am not willing to wait this long on their error. I have written letters, and faxed a complaint to their Corporate Office, to no avail. 

Bank of America XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, Texas XXXX XXXX available anytime
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-01-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

to whom it may concern hello I applied for a consumer credit transaction through capital one on XX/XX/22 I was told that I need to put a down payment for what I applied for but as your company should know down payments are illegal in consumer credit transactions I am supposed to only pay the finance charge with the credit card ( SSN ) that your company has already used ( as seen below ) which your company should already know because it is public information. I have called and been told that there is no physical underwriter for your company and that decisions are all processed through a system I Ask that you get someone on my application so it can be completed the right way otherwise your company would be in direct violation of 15 USC 1602 ( p ) as I originally made an agreement with XXXX and they gave my personal information your company and if I didn't give you actual, implied, or apparent authority for such use AND/OR I receive no benefit that implies by law and unauthorized use of my credit card.
Consumer complaint received 2022-03-29
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. (FL)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FULTON FINANCIAL CORPORATION (VA)

Hello, I have zeroed out my balance with Fulton bank account number XXXX and have tried to close the account for 3 months. I have faxed in 3 separate signed letters all requesting that the account be closed. The account is still not closed. I have tried calling but no one ever answers the phone even after being on hold for over an hour. My account was never properly set up for online access so I can not close it that way.
Consumer complaint received 2018-02-17
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. (GA)

Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
XXXX!!! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
Transunion Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance
Consumer complaint received 2017-11-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Pinebrook Holdings, LLC (VA)

I did a payday loan a few years ago ( 2 ) I believe. I was in a financial bind and I was desperate. I did not want to be homeless. The loan I believe was for XXXX. I did not have the money to pay it back at that time. I got a call last year ( XX/XX/XXXX ) about they were going to take me to court and I was going to be a convicted felon and lose my XXXX. I was going to try and sacrifice and pay it but something did not feel right. I did not pay it. 
I get a email today XXXX/XXXX/XXXX saying that they are coming to arrest me and I am going to lose my XXXX and they are going to take my money and I am going to be a convicted felon. I am scared but I know that it is illegal for them to do what they are doing. So my question is what can i do? I am willing to pay XXXX a month but that is all that i can pay. I am XXXX and I dont want to be homeless. I have XXXX and so I need help on what to do.
Consumer complaint received 2020-05-25
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: Affiliates Management Company (TX)

This is in regards to XXXX and not the issuing bank of the credit card. 

Back in XX/XX/XXXX I purchased a vacation package to XXXX fro {$1500.00} to fly in XX/XX/XXXX ; however, COVID-19 forced me to cancel it. I immediately tried to call them but after being on hold for 2 phones to get an agent the line would disconnect or you couldn't even get through at all. I tried this for the next two weeks to get in touch with them. After a month ( XX/XX/XXXX ) of trying to get in touch with XXXX I filed a dispute with my bank in XXXX. They gave a temporary credit for the amount while the dispute process went back through. Since that time they stated that given XXXX 's requirements the dispute had to be closed and the amount was charged back to my account and to work with XXXX to get my money back. So I have now been back in touch with XXXX and they agreed to credit back a portion of the amount back to my card. I have confirmation email from an agent showing the amount they will credit back to my card but then when it gets to their back-end processing agent I get emails saying that they will not do a refund because I have filed a dispute. I have provided them screen shots and verification from my bank that my card has been credited back the amount of the full purchase price and there has not been a refund applied to the card. They continue to say " have you spoken to your bank '' and I have spoken to my bank ( XXXX XXXX XXXX XXXX in XXXX XXXX, SC ) who then called their processing agent and no one can find this supposed credit they said they gave me and I clearly was charged the full amount of the dispute back. I am still trying to get the money back for the amount they have process and this has been taking over 2 months. 

I have called and been left on hold for over 1.5 hours after getting an agent then who came off of hold to play with their child for a bit before realizing that I was no longer on hold and then put my back on hold. After that I went back online to talk with their agents who either confirmed I will get the prorated portion back ( around {$1000.00} dollars ) but then get an email saying I won't because of the dispute or that they have said they already issued the refund back to me for one of the three charges. 

They are refusing to provide any confirmation numbers of the date of times of when they issued the credit and are trying to place the blame on my bank. XXXX already has had a class action lawsuit against them due to their lack of providing refunds and I fear they are back to their old ways again. I can provide y'all with any confirmation statements, emails, screen shots of messages between me and XXXX that you need to help escalate this further. I have attached a zip file to show the most recent communication with XXXX.
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

Our homeowner 's insurance through XXXX 's XXXX is to paid through our mortgage escrow account and was due on XX/XX/20. We got a pre cancellation notice from our insurance company because LoanCare had still not paid the premium. After numerous phone calls,  we finally got the premium paid on XX/XX/20. We were told a bulk check had been sent and there were errors on it that kept getting it kicked back. When we called the last time, the representative sent a separate check just for us. She then told us that she would have to refund the first payment that went out where the error happened. It is now XX/XX/20, and we still do not have the amount of {$1300.00} returned to our escrow. We have called the company over 20 times and spend many hours on the phone. We keep getting the run around and different answers every time we call.