davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ballybunion Enterprises, Inc (TN)

XXXX and XXXX placed a collection account on my report in XXXX stating that I owed Military Credit Service over {$3000.00} well I contacted XXXX  and talked to a lady by the name of XXXX XXXX at XXXX and she said that I didnt have not ever had an account with Military Credit Services and gave me the number to XXXX XXXX XXXX who owns supposedly XXXX XXXX XXXX at the following numbers and to let him know the account is inaccurate and that he can contact her. These are the numbers given XXXX and XXXX. XXXX XXXX said to talk to him because he would be able to remove it off of my credit since it is not accurate. She also stated that he could call her and the only account I had was XXXX XXXX who is a sister company, but that account is over 2 decades and has been sold numerous times, they also went out of business years ago and I included them in my XXXX XXXX  back in 2001 in Texas which she saw. I contacted XXXXXXXX XXXX XXXXXXXX and talked to a XXXX @ XXXX and she said XXXX XXXX was on vacation and she placed a dispute with the company so that he can get back with me but no one has. They have placed said account on my credit without validation of debt. I have never had an account with XXXX and XXXX XXXX verified it. If they ( XXXX XXXX XXXX ) try to say they sent me a certified letter which seems to be a pattern with them in all the claims I have read against them on the XXXX  they consistently state they sent out letter but I have NEVER received one. I can verify it due to I have informed delivery with the USPS and it shows all the mail I ever received for this year with screen shots of all mail as a preview to show what is coming. I am requesting that XXXX XXXX  XXXX removed Military Credit Services because they are posting fake information in other words fraud. This is all my proof of what XXXX XXXX  XXXX has placed on my report as fraud, fake and wrong information. This unaccredited company has violated my rights as a consumer and I request the account be removed from my XXXX credit report due to failing to adhere to the FCRA guidelines. I have enclosed screen shots of how corrupt XXXX XXXX  XXXX is and the tactics they use repeatedly on others and are doing the same with me. They never validate their collection accounts and leave the consumer in despair. They need to be dealt with in accordance by law.
Consumer complaint received 2020-11-20
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. (OH)

XXXX account on my credit report needs to be removed as I am no longer on the account, as an authorized user, and it is affecting my credit score. The account needs to be removed from Experian and XXXX. I have enclosed the letter from XXXX XXXX. 

Thank you in advance for your assistance.
Consumer complaint received 2019-12-12
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. (TX)

I tried to resolve my issue with XXXX MASTERCARD in XX/XX/XXXX/XX/XX/XXXX when I disputed the way XXXX increased their interest rate from 2.99 % to 32 % +. I was unsuccessful on every level during this time of trying to communicate with them, as they would not talk to me. During this time ( XX/XX/XXXX ) I was not aware of XXXX 's problems with the FDIC. I soon found out there was a Class Action Law Suit against them and XXXX filed for Bankruptcy sometime during the XX/XX/XXXX/XX/XX/XXXXtime frame I believe. I'm not certain of the actual filing date of their BKRPTCY. 

I was working hard at paying this debt off in XX/XX/XXXX/XX/XX/XXXX, as I reduced my balance from {$8000.00} +/- to {$2500.00} +/-.  During this time as I continued to reduce the total owed, I became more irritated that XXXX or a rep would not contact me to discuss my issues. I figured I would stop making payments in XXXX  until someone called me to discuss. That's when XXXX closed my account ( XX/XX/XXXX ). I have attached a couple Statements from XX/XX/XXXX/XX/XX/XXXX where it is printed on the front of the STATEMENT this account is closed. Based on closing my account XX/XX/XXXX due to late payments, this would start the 7 year clock ticking at my first late payment leading up to my delinquency. ( Based on XXXX  's explanation of the most common problem in credit reporting is late or missed payments ), I tend to agree and this occurred on my account mid XX/XX/XXXX. 

Based on these facts ... ..the XXXX  Negative Report has been on my Credit file now for 10 years 6 months & 2 weeks.

I'm asking for the XXXX  File be removed from my Credit File entirely.
Consumer complaint received 2020-11-20
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: U.S. BANCORP (UT)

To whom It may concern, I recently, reviewed a copy of my XXXX  credit report and { US BANK XXXX XXXX } ran an unauthorized credit inquiry on me on XX/XX/2019. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Us Bank XXXX XXXX and investigate such occurrence.
Consumer complaint received 2022-12-22
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. (FL)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 2023-01-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson Cruz & Associates LLC (TX)

This debt was paid on XXXX with another third party. Nelson & Cruz were no longer the collection agency for the original merchant. I paid XXXX XXXX XXXX on XXXX. I was supposed to receive a letter of confirmation but never did. The charge is also still showing open on my account with Nelson Cruz and Associates, who was removed as the collector. I have reached out XXXX times since then to find out why I still have this showing on my credit report as unpaid. I was told this would be resolved and would be removed from my credit report and I would get a deletion letter to show my lender for mortgage application on XXXX Since then I have not heard anything back. I have called back and left voicemails and no one will return my calls back. This is hurting my chance of buying a house. I need this removed from my credit. Its been over a month since its as paid.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (WI)

On Thursday XX/XX/2020 we me and my freind XXXX XXXX bought two vanilla gift card XXXX each we exchanged cash for them. We went to XXXX I. XXXX wi they purchased was declined we called vanilla and they started tickets on both cards we bought. Vanilla said these were invalid cards.weve also contacted XXXX  in XXXX wi to see bout getting cash back.
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (TX)

ON XX/XX/XXXX I authorized a payment of {$460.00} to Huntington National Back, the lending institution for my XXXX XXXX XXXX. My regular payment is about {$440.00} however, I missed a payment due to a medical situation a few months back and pay a little extra monthly to get caught up. Later in the day on XX/XX/XXXX I was online paying thru my XXXX online app and did not see the payment pending so I called H and a male rep answered the call. He indicated I had an " overage '' of about {$230.00} and if he applied the overage I would be current. At no point during the conversation did he equate " overage '' with " past due '' amount. He processed a payment of {$680.00} which was not my intent nor did I authorize. I called today ( XX/XX/XXXX ) after noticing what he had done after my bank sent me an alert for a low balance, I contacted Huntington immediately and after speaking to 3 individuals and treated disrespectfully and condescending have no resolution. The first supervisor was very rude and dismissive about the situation and would give no time for listening to the call. I did indicate I wished to file a complaint and she told me I could do it with her, when I informed her that she is part of the problem she wanted to question how. Hostile and unacceptable behavior in my opinion. Then " XXXX '' calls back approximately 30 minutes later and tells me that I agreed to a payment of {$680.00} and when I asked specific questions, she did not answer and indicated she was not going to argue. At no point did the male rep inform me he was going to debit my account {$680.00} and I agree. I knew about the past due amount bc I referenced the statement during the call, Overage does not equate to past due by any definition I could locate today. The unauthorized payment is going to cause me to incur additional fees and charges on my bank end and the vendors if the bank does not pay. I feel as though the rep did what he did because their may be incentives to collect or else he is just not properly trained to discuss these questions with consumers. They were not willing to waive any late fees. I am requesting that the {$220.00} be put back in my account as fast as they took it out, not a check in the mail and refund any and all fees that I might incur due to this unauthorized amount for my vehicle loan payment. If I planned to pay {$680.00} why would I not have made the payment on the automated system like I did the {$460.00} and I would not be upset calling them back today. They were unwilling to work towards any type of reasonable resolve on top of the unprofessional communication.
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Regional Collection Services, Inc. (OH)

Debt collector called me several times at my place of employment even after I asked them not to more than twice. This debt was also submitted to a debt collector without XXXX XXXX   XXXX Hospital informing me of this outstanding balance. The company closed and did not inform me of closure or outstanding bill, just went ahead and submitted to a debit collector without the chance to make payments.
Consumer complaint received 2019-10-24
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-12-22
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME THEREFORE I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT FILE FOR THEY HAVE CAUSED TREMENDOUS DAMAGE. THESE ACCOUNTS ARE INACCURATELY PLACED ON MY FILE AND I HAD NO IDEA I HAD SO MANY DEROGATORY HARMING MY CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE NEGATIVE ACCOUNTS REMOVED.
Consumer complaint received 2022-12-22
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. (TN)

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. 
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 XXXXXXXX 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 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 2022-06-16
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 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 agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo allowed multiple charges to my account from a company called XXXX XXXX XXXX for XXXX Texas. Wells Fargo is well aware of the problem because they called me on about XX/XX/10 to ask if these charges were mine, I told them no and they refunded about {$560.00}. When I first looked at the account they were on my account page. I cant say exactly what charges they refunded for because they erased them from my account summary. I have never in 30 ; years have had anything erased from my summary. I believe there were more than one. One was for about {$560.00} and the other ones I believe there were two were smaller amounts. I was unable to check my account at the time of the call but when I did I found there were an additional six charges from the same company ; they were for {$37.00}, {$27.00}, {$160.00}, {$37.00}, {$37.00}, {$33.00}. totaling {$340.00}. I called them to let them know these were not my charges. Instead of refunding my money they cancelled my ATM card and have rejected my purchases. I have over {$3000.00} balance in my account. This is the second time in a few months they retaliated by canceling my ATM card when I disputed a charge. I had called several months ago to ask them to put a stop to an XXXX audio club that I was being repeatedly being charged for even after I cancelled it. I have withdrawn the major part of my money from my account but I just want a complaint filed on Wells Fargo for their unethical practices. I would also like my {$340.00} cents refunded to me so I can close out my acc. and find a more ethical bank that I can trust.
Consumer complaint received 2023-03-24
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-01-10
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. (IL)

I summited a dispute on XXXX for 2 accounts. XXXX and XXXX bank. A response was sent back as accurate. I then sent another letter on XXXX asking for a method of verification. According to the FCRA, the credit reporting agency is required to give a method of verification within 15 days upon request. Never received it. I'm asking that both items be deleted. They are clearly in violation of the law.
Consumer complaint received 2022-01-10
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. (IL)

I, XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is Identity theft. A copy of the law is attached with this dispute letter.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I am applying for a mortgage. My loan officer emailed me today ( XXXX XXXX ) to let me know that she was unable to pull my credit from XXXX because my credit report was 'blocked ' and XXXX because 'they were not reporting a score '. I called both companies today. XXXX was unable to verify my identity over the phone. They asked me identity questions about home/car/other loans ; however, I have never taken out a loan as of this mortgage application process. This makes me concerned that my identity has been stolen ; however I can't access my credit report to verify if it has been stolen. XXXX   requested that I mail or fax them photo copies of my driver 's license and social security card to verify my identity, but the idea of sending copies of my IDs through the mail makes me uncomfortable. XXXX said that a credit report exists for me ; however there is no way that my loan officer can access it independently of me giving her a copy of a report that I request myself ( which is invalid by her bank 's standards, obviously ). 

I am concerned as a result of these difficulties that my identity has been stolen. I went to XXXX to pull my credit from all three CRAs. I was unable to do so for all three. They all asked me identity questions pertaining to loans that I have never heard of. Some also asked me about credit cards that I have never had. As a result I am concerned that my identity has been stolen. 

I have yet to contact Experian but I don't anticipate that it will be fruitful.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am applying for a mortgage. My loan officer emailed me today ( XXXX XXXX ) to let me know that she was unable to pull my credit from XXXX because my credit report was 'blocked ' and TransUnion because 'they were not reporting a score '. I called both companies today. XXXX was unable to verify my identity over the phone. They asked me identity questions about home/car/other loans ; however, I have never taken out a loan as of this mortgage application process. This makes me concerned that my identity has been stolen ; however I can't access my credit report to verify if it has been stolen. XXXX requested that I mail or fax them photo copies of my driver 's license and social security card to verify my identity, but the idea of sending copies of my IDs through the mail makes me uncomfortable. TransUnion said that a credit report exists for me ; however there is no way that my loan officer can access it independently of me giving her a copy of a report that I request myself ( which is invalid by her bank 's standards, obviously ). 

I am concerned as a result of these difficulties that my identity has been stolen. I went to XXXX to pull my credit from all three CRAs. I was unable to do so for all three. They all asked me identity questions pertaining to loans that I have never heard of. Some also asked me about credit cards that I have never had. As a result I am concerned that my identity has been stolen. 

I have yet to contact XXXX but I don't anticipate that it will be fruitful.