davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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. (NJ)

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 XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Before I start, this site does not provide choices for how the bureau scores. 

About 2 weeks ago, my score was XXXX, then suddenly dropped XXXX points for no reason other than 1. I had no debt ( I paid off my mortgage and car loan ) and I paid down a credit card from {$240.00} to {$0.00}. 

The other bureaus did not drop my score from where they had it. Why is TransUnion able to hold such impact over a persons creditworthiness with such inconsistencies? 

This FOR PROFIT company should not be allowed to impact a persons ability to obtain, or maintain credit.
Consumer complaint received 2024-11-19
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. (MD)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgence Legal Group, PC (IL)

I had a credit card with XXXX bank and I went delinquent on the debt in XXXX cause I lost everything, which was my business and alot of my properties, my job in XXXX. this all happened when the economy went downhill. I was served with a judgement on this case but I was served with 2 judgements but on 2 different times, once in XXXX and once in XXXX. I have 2 judgements reporting on this case and the amount has increased by $ XXXX. I believe this debt was cancelled in XXXX by XXXX bank but last year in XXXX it was sold to a different collection agency by the name of Resurgence Legal Group XXXX  and they revived this judgement and now want to collect $ XXXX, when the original debt was $ XXXX. How is that possible? Can someone look into this because this doesnt make sense.
Consumer complaint received 2022-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Since early XXXX I have been disputing inquiries from business agencies I do not recognize. I have contacted each business and they verified they had never received any online application or received personally any personal data from me at their local offices. I asked if it was possible to remove the unauthorized pull and they advised to reach out to credit bureau. I disputed through each credit bureau under section 607. Compliance procedures [ 15 U.S.C. 1681e ] and See also 16 CFR 698, App G-H 69 Fed XXXX XXXX. XXXX ( XX/XX/XXXX ) ( 2 ) Content of notice. The credit bureau only responded with the inquiries will remain for 24 months until deletion date. I have continuously sent dispute letters and they have not promptly responded within the law required time of 30 days. By law if they do not verify the information is accurate by evidence, then under the FCRA they must promptly delete inquiries.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXXXXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. 

I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation was not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (IL)

We have three checks from three different company accounts that were sent via Chase 's bill pay service to our accountant to pay for accounting fees. The checks were stolen from the XXXX mail and deposited into a third party 's bank account. We have subsequently paid the vendor/accountant with additional funds. 

The bank accounts where the checks were deposited/cashed did not match the payee on any of the check and the endorsements did not match either. 

Chase took money from our accounts when they mailed the checks. Chase sent the checks via XXXX mail, and Chase let the checks clear from each of the third party banks without verifying that the payee and endorsement matched. The there payments were made in XXXX of 2022. We discovered the fraud and reported it to Chase in XXXX of 2022. Chase has been 'investigating ' since that time. They have put, taken away and put back temporary credits for the amounts, but they are telling us that if the third party bank that cash/accepted the deposit of the checks doesn't respond they will take the funds back out of each of our accounts. We feel Chase should permanently restore funds to our accounts and whether or not they settle up with the third party bank is not relevant to us. Chase errored by accepting the mis-endorsed checks and is holding their customer to account for its mistakes.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (WA)

I was contacted today XX/XX/XXXX by a representative from IQ Data identifying as a dept collector. Collecting for a supposedly past due bill at XXXX XXXX XXXX in XXXX, WA which I lived at and moved out of in XXXX! I find this to be very suspicious because I have never received any bill stating I owed anything to XXXX XXXX or been contacted by anyone until today XX/XX/XXXX by IQ Data. They threatened me multiple times about my credit if I hung up, even after I told them several times I was busy watching my son play lacrosse in a tournament. While they wouldnt provide any documentation of the dept until I was about to hang up. See attached document. 

I have contacted management at XXXX XXXX to validate if this is real on XX/XX/XXXX via email and voicemail but have not heard back as of yet. 

Please let me know if you need any additional details. 

Thank you, XXXX XXXX
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MI)

On XX/XX/2023 I canceled my auto insurance with XXXX. Then in XXXX I receive a debt collector on my credit report. For unpaid auto insurance as XXXX is trying to bill me after it was canceled. I called them and told them I fact they owe me {$200.00} as it was just payed the day I canceled. This was not refunded and still shows a debt on credit report
Consumer complaint received 2023-05-12
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX of 2021, I called in and spoke with a rep from the Wells Fargo Credit Card department. She assisted me with a balance transfer from the Wells Fargo credit card to my XXXX credit card. I wanted to pay off the balance due which was {$500.00}. I gave her the number on my XXXX credit card. She said everything was completed. 
In XXXX of 2021 I received a late fee from XXXX in the amount of {$35.00}. They NEVER received the funds. 
I immediately called Wells Fargo and the next rep from the credit card department said they have no idea where those funds went, but since they literally vanished into thin air, they will be returned back onto my card within XXXX billing cycles. 
I called in several times between XXXX and XXXX and they had no record of anything being looked into. Finally, things were escalated and I receive a letter stating Wells Fargo does not give refunds, so if I want my money back I would have to contact the XXXX directly. 
I reached out to the corporate office in XXXX. They said they would look into it and on XX/XX/XXXX I received yet another email stating I needed to contact the " payee '' ( XXXX ) to get my money back. 
Everyone at Wells Fargo is ignoring the FACT I have proof XXXX never received the payment! Am I to sound like a crazy person calling XXXX and demanding funds back they simply don't have? 
The first rep made a mistake. It's her job to know the requirements for a money transfer. If something didn't look right, if they make mistakes, if it didn't fit some criteria, it is Wells Fargo 's responsibility to make it right. I made several transfers, all through reps, within the first 90 days as the card allowed... This is the only one that went awry. 
They are asking me to pay on BOTH accounts totaling {$1100.00}!! I STILL had to pay express a separate {$500.00} which I did in increments ... AND the {$500.00} to Wells Fargo for the failed transfer. 
Wells Fargo keeps sending me " proof '' on their end that they processed my request BUT I have proof XXXX never received those funds! 
This is a million/billion dollar company who isn't taking responsibility. I am a single mom who is being punished for the Wells Fargo representatives error. I was promised in XXXX of 2021 I would receive the funds back. I simply want Wells Fargo to honor what they told me. 
Thank you for your help!
Consumer complaint received 2022-09-07
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: CREDIT ACCEPTANCE CORPORATION (IL)

Delinquent Account : Credit Acceptance Corporation ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) ( XX/XX/2022 ) Inquiries : XXXX XXXXXXXX ( XX/XX/2022 ) ( XX/XX/2022 )
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I called my loan servicer - EdFinancial - in mid-XXXX to set up my repayment schedule for my loans. I had a long conversation with a customer representative about my loans, including my income, my wife 's income, and our combined loans ( we file our taxes jointly ). They gave me an amount of around {$1200.00} a month under the SAVE plan that I would owe. I told the representative that she could certify the information on my behalf. Afterwards, I received a bill for {$2700.00} a month. I called back to inquire about the difference. They saw the issue and opened a ticket and said they would let me know when it was resolved. This has now been two months, I have called multiple times and it has not been resolved and they can not tell me what the issue is. I paid the {$1200.00} that they told me that I was due, and now I am getting delinquency notices from them and the government. Today I called back and they said that I certified the information after the call with the agent and that this created the issue and that there is nothing that they can do. They can not explain, in any material way, what the issue is, or why it is the case that their system gives two different amount due, or what I am to do about this. It is unacceptable for a servicer of a government loan to keep me in limbo like this for months and to be unable to calculate the amount that I duly owe on my loan.
Consumer complaint received 2022-06-24
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX 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 2022-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Contacted Bank of America Fraud division. They promptly canceled the card and informed me they would contact the credit bureaus. In order to put a freeze on my credit information I needed to file a report with FTC Identify Theft Report.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (VA)

As of XX/XX/2022, I no longer have any student loan accounts with FedLoan Servicing. The balance should be reporting as -0- on my credit report. Their information is as follows : FEDLOAN SERVICING XXXX XXXXXXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.
Consumer complaint received 2023-02-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

We discovered pending fraudulent charges on our account ( USAA ) on the morning of XX/XX/. We immediately contacted the credit card company and gave them the information. They went through our recent charges and had us agree which ones were real and which ones were fraudulent. There were four fraudulent charges. They said they would be flagged and removed and cancelled our card and requested a new one. Since the charges were pending we were told they would just drop off and not go through. Well, two days later the two smaller charges dropped, but the two larger ones ( total about {$1600.00} ) were allowed to go through. We called again right away because our bill is due tomorrow, and we didn't know how much to pay because of what was going on with these charges that never were supposed to have posted in the first place. They told us that the person we talked to " accidentally '' didn't flag those two. We asked that they be removed right away so we didn't have these charges showing, have to pay interest on them, and so we would know how much to pay them since we pay the card off every month. They said they couldn't do that. I asked to speak to their " complaint department '' ( or whatever it is called- they told me they had a department when I asked ). They said they couldn't transfer me without me giving them my " account ID ''. I said " what are you talking about? What account ID? I don't even know what that is. '' I asked if it was a password. The operator said " no ''. Then I said " I don't know what ID you are talking about ''. And she just kept asking for my " account ID ''. I said I don't have that and don't even know what it is but am happy to prove my identity with whatever questions they wanted to ask. This went back and forth for a minute until I ended up just ending the call. They refused to let me talk to their resolution people once they admitted they " forgot '' to take off the charges and I was stuck with them until after my bill was due.
Consumer complaint received 2022-06-24
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

( Please note this overview was sent to XXXX XXXX ), XXXX XXXX, We consistently provide updates directly to your office due to the excessive amount of fraud we are experiencing in Georgia. We feel it is extremely vital to ensure you are aware of the excessive amount of ID Theft/Fraud which is taking place in this state. This is not an isolated incident. We have met numerous victims of Mortgage Fraud in Georgia, As stated previously, I was forced to file personal bankruptcy to obtain assistance with the investigation of approximately XXXX XXXX dollars of CONVENTIONAL RESIDENTIAL Mortgage fraud. We were utilized as targets and never received a mortgage for any of our properties. All closings were staged and our names were forged onto documents which profited others. There were no fraud investigations by the XXXX or the Creditors because it appears they were all involved, Until now XXXX ; XXXX and others are attempting POST PROACTIVE Approaches which should have been completed previously, Unfortunately, the damage has been done and there is no rectifying of the harm others have caused. We are preventative tips regarding the prevention of fraud, This is quite hilarious after the fact. The retained Attorney XXXX XXXX XXXX who was paid a retainer of XXXX has done nothing to assist us, In fact we know he is working with the Creditors and Bureaus to provide information to assist them with staying ahead of any charges which may be filed. Select Portfolio had the audacity to send information regarding Fraud Prevention and ask we complete an ID THEFT/FRAUD Affidavit for the 50th time. We have provided this information previously and now they are asking for additional items in order to cover themselves legally. well, it's too late to cover and besides SPS sent us a letter stating the second mortgage on the home located at XXXX XXXX XXXX XXXX XXXX GA which was stolen by the XXXX trustee. It's very obvious who's a part of this racket but it's too late. They are attempting to follow their given policy and procedure to cover themselves in a court of law, at this point we recommend they provide a level of compensation. The level of evidence against all involved is astronomical and can not be rectified. We will be honored to testify if and when needed. 

Respectfully Submitted