davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

TransUnion insists that I am lying to them about my current problems with filing a dispute with them. They tell me that there is not two websites to file disputes ( one that DOES NOT support documents, and the other that DOES ). The one that does support documents has errors on it saying that I still have a outstanding item from XXXX that will not allow me to submit a dispute with documents. I was told that is impossible and that they do not see anything on their end. I have contacted 6 different people through 4 different numbers for TransUnion. All of which have either pointed fingers at other departments, or me. They also told me that I can submit a dispute on the website that DOES NOT support documents, and add them within an hour of filing said dispute. This was a lie and just lead to more headaches and the supervisor telling me that it is not the case. She then told me that there are buttons to add documents ( which there are not ) on the service.transunion.com website, that there was not a second website ( onlinedispute.transunion.com ), and that I only have 1 hour to submit documents while in the process of filing the dispute, not after. This still has not resolved the fact that they  could not see my current dispute, nor that the website I need to use to submit documents on to support my case still has N/A in certain fields and says that it was initiated on XXXX. They still say that it doesn't exist or there are no problems with my account or the site. I have not had a single issue with disputing any of the information I want to dispute with other credit bureaus.
Consumer complaint received 2021-11-21
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. (FL)

On XX/XX/2021, a person other than me fraudulently applied for a XXXX XXXX card, resulting in a hard inquiry.. I have not been to nor applied at XXXX XXXX in over a year! 
I disputed this claim to Equifax and they directed me to your website. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Also, on same report, I noticed a hard inquiry for XXXX XXXX XXXX XXXX on XX/XX/XXXX, and this is also fraud! I have lived at the same address since XX/XX/XXXX and have had XXXX internet since XX/XX/XXXX. XXXX does not even service my address, so this too is fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This complaint is against the following lender : XXXX XXXX XXXX XXXX XXXX Ft. Worth, Tx XXXX Santander Consumer is reporting a vehicle loan as charged off, showing a {$29000.00} balance on a car that was voluntarily surrendered XX/XX/XXXX. It was then sold ( supposedly ) on or around XX/XX/XXXX. This item is reporting as a charge-off, but I am disputing the accuracy of this item, because I believe the company is reporting this item in error, and it should be removed. 

The company states they sent information regarding the sale of this vehicle, but it was never received. For a situation of this nature, it would have been in their best interest to have sent it certified, to ensure that it was received properly. There was never notification that the car was being sold, when or to whom and for how much. 

The letter dated regarding the sale of the vehicle I was recently sent ( XX/XX/XXXX ), was dated for XX/XX/XXXX. The vehicle was picked up on or around this date, so how could they send a letter notifying of a sale if the car was picked up days before this letter was supposedly generated. That A " voluntary repo fee '' was assessed on XX/XX/XXXX, yet the sale of the vehicle was reportedly done around XX/XX/XXXX of XXXX. Basically, the time of voluntary repossession, notification of sale and actual sale, I believe violates my rights as a consumer. 

This company did not grant any of the following during the course of the repossession and sale of the vehicle when asked. There was no verification, or validation of why this item is being reported and how they are lawfully reporting this item on my credit report. 

*EFFECT OF ERRORS OR OMISSIONS *NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL *CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL I would like to have this issue investigated immediately. This is a predatory loan company and their integrity has been in question quite often over the last few years. Please investigate, as they are not being of any assistance in trying to get to the bottom of this matter.
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia (VA)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I was seen by a provider at XXXX XXXX. Upon receipt of a bill later that year, I noticed a discrepancy on my bill for XX/XX/XXXX that resulted in an excess charge of {$5.00}. I made the provider 's office aware of the discrepancy, which they indicated would be corrected and that I would receive the corrected bill at a later date. I subsequently received a notice from XXXX XXXX that this amount had been corrected on their end and that the forthcoming bill from XXXX XXXX should indicate the correct total amount due. The initial amounts for these three bills were {$170.00}, {$25.00}, and {$18.00}, respectively, with the second bill corrected to {$20.00}. The total amount for these three bills was {$220.00}, which was paid to XXXX XXXX on XX/XX/XXXX. However, concurrently, I had received several errant bills showing the incorrect amount due of {$230.00}, which I disputed with XXXX 's billing department, indicating that a correction was submitted and that it would be paid upon its conclusion. Nevertheless, XXXX initiated collections activities on my account and forwarded my account to Credit Control Corporation. However, payment was made to XXXX XXXX prior to the notification of collection activity from Credit Control Corporation, which resulted in the payment being sent to CCC for processing, rather than being handled at XXXX. I was subsequently charged collections processing fees ( ~ {$75.00} ) and my payment was misapplied to a previous " bill '' on my account that did not belong to me, which was dated XXXX. I have since made contact with both XXXX XXXX and Credit Control Corporation to resolve the issue, without success. Both parties indicate the other is responsible for the error but neither is willing or " able '' to resolve it.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I was directed to TransUnion from XXXX, a site recommended by the federal trade commission website on XX/XX/XXXX. Transunion does not distinguish between free credit report and free credit score, one of which is not free. It sucked me into to paying a {$24.00} subscription fee to view a credit score when I just wanted my annual free credit report. The site relentlessly loops you, making it extremely difficult to cancel this automatic subscription. Transunion is dishonest and does not make it apparent what product you are signing up for.
Consumer complaint received 2020-07-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (CA)

I entered into a contract to settle a private student loan debt with XXXX XXXX XXXX doing business in California as " XXXX XXXX XXXX '' ) brokered through XXXX XXXX XXXX 's loan servicer and debt collector law firm, XXXX XXXX. The terms of the settlement are well documented, specifying the monthly payment, down payment, as well as confirmation that there will be no other interest added. I paid the debt in full and have confirmation from XXXX XXXX about my payment. I contacted XXXX XXXX many times to provide an updated paid off account summary and received no response. Despite making full payment, XXXX XXXX reported my debt as delinquent to credit bureaus, falsely alleged I owed over {$7000.00}, and sold my debt to collections ( Synergetic Communication , Inc. ), who now falsely allege the debt is verified and accurate.
Consumer complaint received 2022-05-17
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: JPMORGAN CHASE & CO. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a XXXX payment on a credit card account under an open end consumer credit plan as late for at purpose.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

A XXXX XXXX XXXX XXXX account that Hasnt been touched in years reported a 90 day late which has hindered my credit. Ive spoke with the creditor and they advised they didnt put this 90 day late on the report. I have pictures below reflecting the notification I received from the bureau and my other credit monitoring services. you can clearly see they added late payments to the account and this is hurting my credit so I am requesting for this to be removed.
Consumer complaint received 2020-07-06
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX  XXXX {$4000.00} DEPEDXXXX  XXXX {$2300.00} DEPTEDXXXX  XXXX {$7300.00} DEPTEDXXXX  XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}
Consumer complaint received 2020-07-06
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. DEPTEDXXXX   XXXX {$2300.00} DEPTEDXXXX XXXX {$4000.00} DEPEDXXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7300.00} DEPTEDXXXX XXXX {$1400.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$910.00}
Consumer complaint received 2020-07-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (AZ)

I contacted LVNV FUNDING LLC regarding an account from a XXXX XXXX account that's the original creditor to resolve. They advised me that they no longer have my loan it was sent to other agency. I asked why are they the company still reporting to my credit if account no longer in their office couldn't get an answer. I ask that if they no longer have my account please remove them from reporting to my credit. Thank you!
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (TX)

XXXX XXXX is showing I have a charge off with them for Experian and XXXX only. This is inaccurate and they have not provided validation for the account below. I am requesting that this account be deleted from credit report. 

I need to refile this complaint about Experian. In my own words, Experian has not responded, they have not provided dispute results, they have not conducted an actual investigation, AND they refuse to remove this inaccurate account. Let me also mention they I have sent them multiple pages of my identification requesting that Experian remove inaccurate names and addresses. That was not done. I supplied documents from the creditors and everything. This makes no sense. I've done a lot of research online and I know this is not how disputes are supposed to go. 

Thank you so much, XXXX XXXX
Consumer complaint received 2020-07-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Services of NY, Ltd. (NY)

I've received bills from what now is Professional Services of # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX. This is a fraudulent company that overcharges and my insurance doesn't pay the exorbitant amount which is out and out deceptive. I have records of payment made and it was {$1400.00} for this and now {$2100.00}. I am arguing my insurance has paid and this is not owed. The company has numerous addresses and I don't believe it's legitimate.
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (MI)

An account with American First Finance was charged off with an owing balance of {$700.00}. I have received an alert stating that the account is reporting with an owing balance of {$2000.00} to my XXXX Credit report. this information is not valid and is a violation of my rights. 

I would like for this account to be thoroughly investigated. This is a major violation of FCRA 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 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 accurate.
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

COMPANY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OHXXXX  ... ... .SETTLEMENT PLAN OPTIONS ... .. 
OPTION 1. {$1000.00} I CHOSEN OPTION 2 OPTION 2. {$1100.00} INSTELLMENT PAYMENT EVERY XXXX OF THIS MONTH AND PAY FOR TOTAL 6 MONTHS ( {$1000.00} ) I START PAYING 1. XX/XX/21 -- {$200.00} 2. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} -- PAID 3. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- {$190.00} plus {$4.00} -- PAID but I cancelled regarding {$4.00} that is protection plan they said it is not necessary after that they didn't charged XXXX payment intentionally I do not know why and I find that out XXXXbecause I must pay XXXX installment and I called them why did not charged? AT THAT TIME I PUT THEM INTHE MY DEBIT CARD NUMBER and I got the credit for {$4.00} to my bank account 4. XX/XX/21 -- -- -- -- -- -- -- -- -- -- -- -- -- -- - $ XXXX-PAID after XXXX paid I find that out the my credit report the debit amount it suddenly JUMP UP TO {$1700.00} I'm very frustrated and called them why you guys not lying? but they did not listen at all after I mailed documents what is going on but never listen and pay {$1700.00} because I missed XXXX payment but I do not missed if I missed how can I pay XXXX payment? they do not charged intentionally and now they just changed collection company I got the new collection company and they said pay? XXXX the new collection company is RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX so please help me out still they call me every twice a day I can not sleep, eat, anything because of that. please solve the problem THANK YOU VERY MUCH
Consumer complaint received 2022-07-12
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. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Balance : {$970.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

A bank manager issued me a credit card. He told me that the card was not secured and that my money would not be affected. When I checked my balance my XXXX was gone. 
I was never given my money back. I paid the balance of the card but money was never refunded.
Consumer complaint received 2020-07-06
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. (SC)

I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :
Consumer complaint received 2023-07-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX, I visited the XXXX Texas Wells Fargo branch to apply for a personal loan. I spoke with a banker named XXXX. She asked for my information, input it into the computer, and immediately told me that I was denied based on a soft credit pull, however, I was discouraged from applying by application to avoid a hard credit pull. I have not yet received the adverse action letter. This is 2 issues of discrimination in violation of Regulation B ; a denial and a discouragement.
Consumer complaint received 2021-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello my name is XXXX XXXX Ive been reporting this issue for months now. Ive tried sending a Complaint before. I dont recognize the Accounts from Us Dept and XXXX  XXXX  two of the account has the date of XX/XX/XXXX, another is XX/XX/XXXX. They dont have a balance and its closed. Ive tried contacting the creditors also submitted supporting legal documents on my behalf. I didnt sign any authorization nor personal disclosure document. The creditors have no right to keep these inaccurate items attached to my name to it.
Consumer complaint received 2018-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (VA)

I tried to close a Wells Fargo bank account on XX/XX/2018 that I set up for a foster child that was in my home but when I tried to close it they would not allow me to because he deposited a counterfeit check and withdrew the money before the check cleared. He is still able to use the debit card even though he is negative in his account by thousands of dollars. However the bank says that Im responsible.
Consumer complaint received 2022-08-02
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$870.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.