davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently won suit against XXXX XXXX XXXX XXXX for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX XXXX XXXX XXXX # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with TransUnion back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial is trying to collect a debt in the amount of {$110.00} from XXXX XXXX. This account was paid in an insurance settlement with XXXX XXXX. I have contacted XXXX XXXX and Bull City Financial to have this account removed from my credit. Despite multiple attempts, this account remains on my two of my three credit reports. The account was removed from one of my credit reports when I initially disputed the account on all three credit bureaus, and was reported as " verified and accurate '' on the other two. I have provided documentation from Progressive insurance to both XXXX XXXX  and Bull City Financial detailing when the check was sent to XXXX XXXX and the date it was cashed by XXXX XXXX. I would be happy to upload that document here as well. I am trying to buy a house and this collection account is severely hurting my credit.
Consumer complaint received 2019-08-08
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: CREDIT ACCEPTANCE CORPORATION (AL)

I received my credit report in XX/XX/XXXX and noticed inquiries that I do not recognize. I sent the creditor a dispute letter asking for proof of authorization. Their response is as quote : " You requested that we investigate an inquiry placed on your personal credit file by Credit Acceptance. Please be advised that Credit Acceptance will only make an inquiry on a personal credit file when it receives a request for automobile financing through a Dealership that offers financing through Credit Acceptance. '' This is a direct violation of my rights under FCRA 611.
Consumer complaint received 2019-06-25
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. (GA)

On my TransUnion Credit Report, I have three hard inquiries listed ; however, two of these inquiries are for the same home loan. " XXXX '' inquired on XX/XX/18 and " XXXX XXXX XXXX '' inquired on XX/XX/18. These are just about within a week of one another and were for shopping for a good rate for a home loan. From TransUnion 's own website on " Credit Score Myths '' they state " If youre shopping for a loan and concerned about harm to your score, know that multiple loan inquiries within a period of a few weeks are usually treated as a single inquiry to minimize impact. '' That is exactly what was done here, yet my score has been impacted negatively for this.
Consumer complaint received 2023-10-17
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. (TX)

I have asked the credit report to remove this account from my credit report more then XXXX time as it has been on my report for more then XXXX. It was open on XXXX XXXX and closed on XXXX XXXX. The name of this company is US Dept .of Education. I have written letters asking for this to be remove from my account.
Consumer complaint received 2020-05-10
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: Experian Information Solutions Inc. (AZ)

I found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX XXXX  is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my Experian credit report and from the XXXX Assessors website.
Consumer complaint received 2020-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

On XX/XX/XXXX the XXXX XXXX was repossessed by Prestige Financial Services. PFS sent me a letter to an address I have never resided in, regarding the XXXX XXXX. Once the letter reached me it stated the car would be sold at auction on or after XX/XX/XXXX. I received no further communication from PFS regarding the car. Prestige Financial Services in the beginning of the repossession reported the car to the credit bureaus as a repossession as of the last credit report they have reported the car as charged off due to natural disaster. They have also reported the car as late payments every month for more than one year to date, and has listed the amount of the original loan plus interest as what is owed on the loan. I a request of document proof of what was owed on the loan after the sale of the vehicle with a fourteen day deadline for receipt of said documents and to have the information removed from my credit report, PFS sent to me via USPS, a copy of the letter from XXXX in the mail with a letter of refusal stating after their investigation they are within their rights to continue to report this information on my report, no other documents were received from my request. Texas repossession laws required the lender to provide documentation without request after the sale of the vehicle to show proof of monies received for repossessed vehicle. If documents are not produced the lender has invalidated their claim to any remaining sums owed on loan. I made a call to PFS on XX/XX/XXXX and spoke with XXXX who informed me I needed to speak with my account manager who was gone for the day, I was transferred by XXXX to the account manager team members where he also informed me one of them would be able to assist me or if they do not answer to leave a message for a return call. I left a message and to date no return call has been received. Below I am attaching my letter to PFS and their response letter.
Consumer complaint received 2020-05-10
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: Experian Information Solutions Inc. (NY)

I just found out that my credit score are getting lower and lower. When I saw the history these credit beureus are allowing hard inquiries and tons of soft inquiries on my file without my consent. Ive got tons of mails offering from Bank credit card companies, because they access my account without my permission.
Consumer complaint received 2020-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation (TX)

Company called Telerecovery placed a Collections Debt in my credit file XX/XX/2020. They have used several company names that they are representing to none that I am familiar with owing. The last company name they used, I managed to find a number and called them. The company XXXX XXXX verified my Identity and said that there was an error and the Collection should immediately removed from my Credit file because the bill was settled over 4 years ago. The company stated that they had encountered multiple problems with their Billing department and were trying to resolve them as quickly as possible. This Collection has ruined my credit, dropping my score more than 50 points, caused my Auto Insurance rates to go up, and it is not even a valid debt.
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One So i was previous told by Capital One representative, while on the phone, that I would only get charged if, IF, my balance remained above {$0.00} BALANCE. Like all other credit cards i have, if you use money, and the next month you only pay partial, then of course, you'll get a fee from the remaining balance. 

The problem thought is not that I didn't pay and bring my entire credit card balance to {$0.00}, yes, i paid full to {$0.00}, but that after i did so, and the new cycle began, i was notified of a {$3.00} dollar charge of interest. Hold on, that is ridiculous. If you pay the full amount before its due date, bringing it down to {$0.00}, why should i be required to pay for something i am not depending on, like any interest? I mean, i paid the whole balance, all before the due date. Yet, even thought the new cycle began the next month, and even thought my balance showed a {$0.00} before hand, when the new cycle updated, it had a {$3.00} interest charge. 

When i contacted Capital One, the rep explained to me that if I didn't use the credit card for the upcoming cycle ( or month ),  then the {$3.00} would be removed. No reason to be charged. 

So then, i didn't use my Capital One credit card, just because i am not fully certain about them. 

The new cycle began, and guess what -- my new balance was {$6.00} cents. I was charged another {$3.00} ... ..but i didn't use the credit card at all ... .for a whole month. 

Again, i called the first time, and was told that i would not be charged and the balance would be removed. Check my history, the person i spoke with after my XXXX bill was released XX/XX/XXXX. 

I was told while on the phone that yes, i had to have 2 months of {$0.00} balance ... .in order to have no interest. That's not what i was told about previously - check record, it sounds like an intentional lie. It is a joke and a fraud ... and to make it clear ... while on the phone, the guy said that if i didn't use the card, the balance would be canceled ... yet that has not occurred ... He lied to me..he lied while on the phone. That is ridiculous. I don't car about the XXXX dollar fee as much as the lie to me. It insults me to be charged and mislead.
Consumer complaint received 2023-10-19
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-05-10
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. (AZ)

I found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX XXXX  is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my XXXX  credit report and from the XXXX Assessors website.
Consumer complaint received 2020-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I found out end of last year when I tried applying for a car loan that a XXXX XXXX credit card account was created in my name in XX/XX/XXXX and it has a {$16000.00} balance on it. The history shows OK payments up to XX/XX/XXXX and there is a credit limit of {$4200.00} ( Way less than $ XXXX ). I have not been watching my credit up to now so I was unaware of this and I have not been informed of this debt against me. It shows the account was written off because they were unable to collect on the debt. The account is also showing against an Arizona address where I have never lived at so I disputed this as being fraud by whoever is living at that address. XXXX XXXX responded to my dispute with a letter saying that the information provided shows no evidence of fraud and they are not taking any action. That doesn't make any sense. It seems XXXX XXXX is intentionally ignoring the evidence they already have in their possession. No additional evidence is needed. I did not apply for this account so obviously the owner of the house stole my identity. XXXX XXXX is not attempting to collect from that address. XXXX XXXX Bank is intentionally committing fraud by placing an fraudulent account on my credit that doesn't belong to me and intentionally hurting my credit. I have not applied for much credit in my life but because of my low score, I have a hard time applying for credit now. I have a rights by the Fair Credit Reporting Act. How does someone manage to get {$16000.00} out of a credit card account with only a {$4200.00} credit limit and using my information when I barely have any background of credit at all? The attached file shows clips of the owner of the property and details linking the debt to that address. Information was gathered from my XXXX  credit report and from the XXXX Assessors website.
Consumer complaint received 2020-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ANDXX/XX/XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XX/XX/XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS
Consumer complaint received 2020-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Credit Karma (MN)

I try to sign up for an account with sites like credit karma, XXXX XXXX, etc. To check my credit score, but everytime the same thing happens with all of them. There's a problem using my SSN to sign up. I haven't signed up to check my score before, and I called the Social Security office, and there is nothing wrong with my SSN. What do I do?
Consumer complaint received 2020-05-10
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.