davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Credit Services (IN)

Hello, On XXXX/XXXX/XXXX I called General Credit Services and spoke with a representative named XXXX to pay a collection that was reporting to the major credit bureaus. I paid a total of {$440.00}, confirmation # XXXX. XXXX advised me that the derogatory collection would be REMOVED from my reports within XXXX days. 

On XX/XX/XXXX the collection was still reporting so I called and again spoke with XXXX who stated that they had requested deletion of the collection and gave me a confirmation number of XXXX. 

This month ( XX/XX/XXXX ), I have checked my credit reports and the collection has NOT been removed.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello Im trying to report my credit card fraud I did try to fix this but what happened is I think someone out there has my information like my name or my date of birth but anyway I have 2 credit card on report but one of them always has the unrecognized charge all the time. I been changing the card 3 time now but that seems like its dont fixed the problem. I have 3 time unrecognized charge when the card are in my position how is that happening? So I guess that my information are out there how can I fixed it? 
Im was so worried that it will keep happening in the future, the identity thief are still can take the money out from my credit card all I can do is just keep the eye on my card and report fraud all the time when I see unrecognized charges that have make. And freeze my card when I didnt use it. I want my name to be clear. Please help
Consumer complaint received 2022-06-27
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: UMB FINANCIAL CORPORATION (CA)

In XXXX of XXXX I was billed {$1700.00} for something I did not purchase. I complained to the merchant and my credit card company and as a result my credit card company gave me a credit on my XX/XX/XXXX bill. The credit card company then put the charge back on my bill in XXXX of XXXX. I sent the credit card company a letter in XXXX asking them to keep the charge off my bill, a letter which they ignored. In XXXX I called them and spoke to a representative who sent me a new set of forms to start the whole complaint procedure over again. In XXXX I sent the same letter I had sent in XXXX by XXXX mail, and approximately XXXX weeks later I received a voice mail from the company 's fraud department claiming that they had " taken care of '' this issue already, even though they added the fraudulent charge back into my XXXX bill and have since kept it on my bill.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/XXXX I had my computer taken over by a scammer without my knowledge and through XXXX, money was taken from my account - one time {$500.00} and another time {$490.00} for a total of {$990.00}. I have tried to get it back into my account and have disputed the bank 3 times and they will not refund my money because it was with a third party XXXX.
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, has violated my rights.

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 agenc
y can not furnish a account without my written instructions
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

PLEASE HELP ME, EVERY TIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-27
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nelson Cruz & Associates LLC (GA)

XXXX XXXX at Nelson, Cruz and Associates ( XXXX ext XXXX ) first called a neighbor of elderly father to contact him since they did not have the phone number. Once on the phone XXXX threatened him and said if he did not settle that day she would take his house. She was trying to locate his son.
Consumer complaint received 2022-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX deliberately padded my credit card with late fees to report to the credit bureaus an over the credit limit balance. TransUnion subsequently bludgeon my credit score by downgrading it XXXX points.
Consumer complaint received 2024-09-16
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. (AL)

I am writing to formally express my concern regarding the inaccuracies in several accounts on my credit report. Despite multiple attempts to resolve this matter, these errors remain uncorrected, causing significant harm to my creditworthiness. 

The incorrect information is severely affecting my financial standing, making it difficult to manage everyday responsibilities and future opportunities. I respectfully request a thorough investigation into each of the disputed accounts and that corrective action be taken immediately. 

It is critical that my credit report is updated to reflect accurate information without further delay. I trust that your prompt attention to this matter will help restore the integrity of my credit file, allowing me to regain control of my financial well-being. 

Thank you for your understanding and swift action.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My name is XXXX XXXX live at XXXX XXXXXXXX XXXX XXXX, MD XXXX, Phone number XXXX. I filed my income tax returns for the XXXX  tax year and my tax preparer accidentally entered the wrong account number. The money was sent to Bank of America ; state sent {$4500.00} on XXXX  XXXX and IRS sent {$7100.00} ( this is adjusted returned ) on XX/XX/XXXX. When i noticed the state refund did not show up after a couple of days, I called my tax preparer and went over the banking info and noticed the error. I called bank of America a few days after the state refund was issued and was supposed to show up in my bank account with 24hrs but did not. I was told to give a couple days and that the fraud detection system was going to alert the them and they will return the refund to the state. That could take up to 10 business days. After 10 bussiness days i called them and they said they still have not received my refund. I gave them the wrong account number that was entered, and they confirmed it is a legitimate BOA account but because of privacy reason, they can not discuss anything about this account. I was sent to ACH department, and it confirm the refund has cleared into the wrong account but i should call the statte and have them initiate a return of my refund. I called that state of maryand and was told the money was issued based on the information provided and according to the state, the refund has been issued and there is nothing they can do. The state advice that i go to a BOA banking center with my taxes refurn filing paperwork and my identification information. I went to Bank of America center in XXXX located AT XXXX Race XXXX XXXX, XXXX ( XXXX ) XXXX and spoke to the assistant manager. Her name is XXXX. I gave her my tax return and my driver 's license. She created a CASE WITH NUMBER XXXX and asked that I stop by the next week. When i stopped by, she said the complaint was closed and no reason was given for the closure. She doesn't know how else to proceed. I called BOA customer services and asked to speak to a supervisor and the person said, they can not help me and that what he is telling me is the same information the supervisor would tell me. So bank of America deposited {$11000.00} of my tax refund into someone else account and they do not even have the curtesy to alert that indivual, they are holding money that does not belong to them. PLEASE PLEASE help me!
Consumer complaint received 2022-06-27
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: Social Finance, Inc. (PA)

I reported on XX/XX/2022 to the Federal Trade Commission that my Identity was stolen by someone who opened a XXXXXXXX XXXX  Checking Account and a SOFI credit card for {$1000.00}. I did NOT open either of those accounts and I was informed they were both opened on-line. My email was also used ; and that is how I learned about the Identity Theft with XXXX XXXX. I learned of the fraudulently opened SOFI account when SOFI sent me a letter demanding payment. I believed it was a scam at first ; when a second letter came, I reported to the FTC Identity Theft. On XX/XX/2022, with the help of the FTC, I changed passwords on all accounts, changed my email address, reported FRAUD to all three credit rating bureaus, placed FREEZE alerts on all three credit reporting agencies, sent a letter composed to SOFI and XXXXXXXX XXXX to inform them of IDENITY THEFT and I contacted via telephone the involved companies as well. To this date, XXXX has REFUSED to remove the fraudulent account, it is now posted on my credit rating as being months behind, and my credit rating has dropped about 100 points, from high 700s to 600s. I have contacted XXXX multiple times, have called them, and sent them every report they requested : the FTC report, the PA State Police filing report ( case number ), and the information of the SOFI credit card that is Identity Theft. I have minimal credit cards, and they are ALWAYS PAID ON TIME. I have a mortgage that is NEVER LATE. That payment is well above the amount of the fraudulent SOFI credit card. I received a new letter from XXXX on XX/XX/2022, and again, they are refusing to remove the fraudulent SOFI account and my credit rating is negativity impacted MONTHLY. I was informed by SOFI that they are aware the credit card was opened fraudulently and through Identity Theft and I was told they would tell XXXX that, as XXXX informed me they were contacting SOFI to investigate. Yet, XXXX is refusing to remove the fraudulent account. I called the Federal Trade Commission again, today, XX/XX/XXXX, to report the letter from XXXX of XX/XX/XXXX and I was informed to contact the Consumer Financial Protection Bureau now.
Consumer complaint received 2024-12-18
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: SYNCHRONY FINANCIAL (CA)

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Consumer complaint received 2022-06-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

I received several calls from a company, stating they were MCM. Which supposedly a debt collector instead scam. They kept asking for my name but I didn't yes or no. Also asked me last XXXX numbers they had was mine. I didn't tell them if those numbers were correct. I told l will have my attorney to file a complaint against them. -- -- -- -- -- -- -- -- End of statement -- -- -- -- -- -- -- -- -- ---
Consumer complaint received 2022-08-29
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. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022, I went to branch to withdraw XXXX. I was greeted and asked how my day was advised that I am going to buy a house and go on vacation. The rep stopped and asked if needed a cashier 's check. Saud no the purchase is being done privately and cash is needed for some down money but majority is for vacation. She asked if knew XXXX or XXXX but did not give last name. I heard XXXX XXXX and said no. Which triggered the rep to call Fraud dept. She never said XXXX XXXXXXXX XXXX  last name which would have solved issue. I was expecting funds from XXXX from tax return not XXXX. I even asked if XXXX was associated with the tax deposit and was told no. So let situation go. I was told the account is blocked for fraud in middle of floor. I stood up and said will be closing my account. XXXX stated they are closing account. I left branch when I got home received call lecturing me in fraud. Now really upset talked to XXXX stated he woul help anyway possible. So on XXXX, I call XXXX and spoke to XXXX. Told my situation and case not fraud. Owners of funds will provide information to prove funds meant for me. Told they would not speak to him. Said would provide ssnto verify or can make a code word. Said not a holder on account so can't do either. Said can he fax tax return to prove they put the account number of sending funds to me. Said can fax but not sure they will do anything with it. Said how can I prove not associated with fraud and avoid a closing of account and report to XXXX XXXX. Didnt know. Said could go to branch. I Said what can they do? Not much because business decision to close account not fraud. So funds will be returned to Irs which were for me to get medications vacation house hold payment and bills since haven't worked in XXXX years due to several health issues including XXXX XXXX and can't open another account because of XXXX XXXX reporting. Want funds returned to me in check form not returned to IRS or state unclaimed property. Need money to live.
Consumer complaint received 2022-06-27
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. (PA)

I filed A XXXX  XXXX Bankruptcy back on the XXXX of XX/XX/2020 due to hard times In my personal life. I contacted The XXXX credit reporting agencies after seeing My credit consumer report still reporting as tho if Never filed. This has been going on for over 2 years. Since then it has caused me and my opportunities to receive loans to help me rebuild my credit consumer profile. The same went for disputing inquiries that I did not authorize. 

Transunion or XXXX has yet to fix my Credit report resulting in more hardships when trying to apply for new credit to help re established my credit after My bankruptcies discharge.
Consumer complaint received 2022-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

I have contacted XXXX XXXX XXXXXXXX on XX/XX/2022 and XX/XX/2022 through mail, requesting a binding contract between me, XXXX XXXX and XXXX. XXXX, which has not been provided. I also requested proof of authorized consent from XXXX XXXX, me given to XXXX. XXXX  to access and damage my credit report. This has not been provided as well. This company refuse to remove from my credit report and is fraudulently attempting to collect debt with no binding contract.