davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
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: The Best Service Co.,Inc (CA)

These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # XXXX ).
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aldous & Associates, PLLC (CT)

I paid a debt with aldous debt collectors and the inquiry is still coming up on my credit report, which is effecting my credit for buying a house. it was paid in XXXX of 2022. I called the company and asked them to take it off my credit report or give me proof that the account is paid and they wouldn't, and said that they already sent proof. The account number was # XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Bankruptcy reported on TransUnion XXXX XXXX. This account is not on XXXX, so I want it removed. Also in the state of Pennsylvania statutory limitation is XXXX for bankruptcy on credit report. This was suppose to be off my report 3 years ago.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

Hi and how are you? Listen, this surprised me and i just reviewed my entire bank statement for XXXX  and saw the {$270.00} payment come out religiously. I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I explained that the inquiries were inaccurate and was told that they would be removed in 7 days and to call back after 7 days to have them removed if I did not receive any correspondence the companies. I did call bac in after 7 days and was told to do it all over again with no explanation or update and they would not remove the fraudulent information.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

From my understanding, my capital one 360 account was suppose to be closed in XXXX 2017. Since then I had logged into my account and it had shown a negative balance of {$990.00}. When I contacted the bank about the issue they put me on hole for an hour and a half then told me they would have someone contact me about the issue. That was 3 months ago. I 've tried contacting them since then and still have n't heard anything. Just out of curiosity, I logged into the account today just to see if they 've even attempted to fix the issue but it now shows a negative balance of {$2900.00}. There is no way the account could be negative because I had cancelled the debit card for the account and they sent me another one which I still have not activated. When I log in, the transaction does n't even show up on the latest transaction. I refuse to pay that amount if the bank can not even contact me about the issue. I 've made phone calls, emails and even attempted contacting them through the website and still nothing. But somehow they manage to blow my phone and email up attempting to get me to activate the new debit card. I refuse to activate it because that 's just going to add another small fee onto the account that was suppose to have been closed months ago. The account still had {$1.00} the day it was suppose to be closed so there should n't be any negative fees
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I received a call from Citi yesterday - long story short, we are shy of 31 days paying the note and it was an oversight on our end ; sick baby, urgent care visits. The resolution from the call on XX/XX/2016 in the XXXX was that a double payment will be made by the end of the day ( we fulfilled on our end ). On XX/XX/XXXX, at XXXX I received an email dismissing what the agreement was. On top of already charging a late fee of {$37.00} and an interest of almost {$140.00} - I feel like I am being slapped in the face. Are the emails normal protocol. I feel that I was not given an opportunity to fulfill on my end when I did. Makes me, the consumer, feel irresponsible and out of compliance. I did call Citi and the customer service rep did not seem to care.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 2016-12-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX, Department of Education, Walmart and Discover 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent over the official FTC report for identity theft to Transunion, they didnt delete the information, I will send the official FTC report of identity theft in this document. I also will include valid identification documents my social security card and a utility bill with my name and address on it. Once they get this information they need to immediately delete and stop reporting this information. I will also include the reference number to FTC report so they can look into this as confirmation that its the official document.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2020-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a letter for unclaimed property from Bank of America dated XX/XX/2020 detailing unclaimed property that was owed to my wife and myself. After receiving the letter I called Bank of America on XX/XX/2020 and through the phone submitted my claim information and was told that we would receive a check for the funds within 6-8 weeks. 

After not receiving anything I called again on XX/XX/2020. They did not know why the funds were not sent but resubmitted my claim and detailed that the request would be expedited but at the very latest the funds would be sent to us within 6-8 weeks. 

Again, after not receiving anything, I called Bank of America on XX/XX/2020. The agent claimed that he did not know what happened with my claim but that the funds were sent to the state of Texas on XX/XX/2020. 

On XX/XX/2020 I checked the Texas state unclaimed property site and there is no information on the unclaimed property.
Consumer complaint received 2022-10-05
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. (NJ)

The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX. Dispute letters were sent to the companies to dispute the matter, no correspondence yet.
Consumer complaint received 2017-09-16
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. (MI)

In XXXX of 2017, Equifax revealed that they had allowed my personal data and that of 143,000,000 other American credit holders to be compromised through inadequate security measures and pure negligence. Because of their gross incompetence, my family, friends, and myself have all been prompted to take measures to lock down our credit reports. That this breach was easily preventable through the simplest security measures is almost more damning than the fact that the data itself, essentially the digital identities of virtually every adult credit-holding citizen of the US, was able to be extracted in a usable state! This has the potential to negatively impact so many people on a personal level as well as to open the door to malicious actors who wish harm to our nation and its people. Few penalties could be too severe in this circumstance. Those in authority at Equifax should be held criminally liable. There should also be a review in Congress to publicly identify those legislators most closely tied to and benefiting from the Credit Reporting industry, as this level of blatant disregard for the well-being of the average citizen should be punished.
Consumer complaint received 2016-08-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Dream Center Education Holdings (GA)

On XXXX 2014 I enrolled in an online program at Argosy University. Everything was done online and it was expedited in a very quick manner ( in less than 2weeks ). I received an email from the adviser on XXXX/XXXX/14 that I started class that evening. As I received access to the student website I quickly realized that it was n't the program for me. I called the advisor on XXXX/XXXX/14 and informed her that I wanted to withdraw from the program, I did n't want to attend it because it was n't what I expected out of the course. It was n't until I had access to the student website that I was able to go through all the class information. Upon receiving a statement stating that I was responsible for the semester tuition I called the Registrar office at Argosy and they informed me that I was responsible for the tuition because I withdrew before the drop date which I later found out was on XXXX/XXXX/14. Trying to speak to someone there is horrible. You get voicemails and no one responds. I have been transferred to the Tech Dept. ( that 's how bad it is ). I also spoke to the Financial Aid Dept. as well and no one has helped with this matter. They are very quick to say that I passed the withdrawal date so I am to pay the balance accrued in my account. All I want is a transcript which will state that I dropped the class.
Consumer complaint received 2022-12-03
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. (MS)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AL)

I received a call from Quicken Loans about refinancing my loan. I mentioned to Quicken that I had not inquired about refinancing but planned to refinance at a latter date ( 60-90 days later ). After explaining that I did not require refinancing at this time, Quicken loans followed up with a letter to me dated XX/XX/2020 explaining why they are unable to offer me financing at this time and referred to a reason why : * Collateral : Does not meet seasoning requirements. 

Quicken loans failed to mention that I never sought a refinancing and I should not have on record that they were unable to refinance my loan since I never sought any refinancing. 

When I asked them to restate this letter since it is a false representation of our conversation, they refused stating they are required to do so in order to be in compliance. 

Thus, when I am asked if I have ever been denied financing, I will be required to say that I have been denied - even though i NEVER sought financing. 

I seek your help in remedying this falsehood, the over interpretation of the compliance regulations and to stop these actions by the lenders from promulgating false requests for loans.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

Evergreen Professional Recoveries : XXXX I have paid this debt quite some time ago and no longer owe this debt. It wasnt until I pulled a new credit report until I found out that they are still reporting this collection and as having a balance owed on it.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (OH)

PNC Wont Allow Me To Link My Account With Other Accounts. XXXX, XXXX, XXXX All Say The Same Error Message. When I Call PNC They Dont Know Anything And Says Its On The Other Businesses End.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX MXXXX  XXXX
Consumer complaint received 2024-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion has violated my rights as a consumer per The Privacy Act of 1974 by viewing my credit profile without my written consent. I have not provided this organization with written or verbal consent to view my credit profile.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I tried to open a back account for my sister ( she is XXXX, XXXX and XXXX XXXX  ) and on XX/XX/XXXX and on XXXX XXXX received a letter from XXXX XXXX  that Experian saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking account.