davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONLINE Information Services, Inc. (OH)

XXXX XXXX XXXX sold this debt for {$310.00} even though they received proof from XXXX XXXX that it is discharged in bankruptcy and is no longer owed. XXXX XXXX  XXXX sold the debt to Online Collections XXXX who then put it on my credit with no notification or letter or attempt to contact me. I could have told them that they were sold a debt illegally and it was discharged.
Consumer complaint received 2020-09-02
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: Experian Information Solutions Inc. (FL)

This XXXX/XXXX  has been fraudulently and i called the collection agency and requested original documents that show proof of account being mine which was requested a week and a half ago, they have not complied.
Consumer complaint received 2021-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NJ)

Despite my three written requests, the unverified items still remain on my credit report in violation of Federal law. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? How did they verify them? You still have not provided me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. You have yet to provide me with any original consumer transaction documentation with my signature on it.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

The three major credit bureaus are reporting a bankruptcy past the credit reporting limit and it must be removed. I recently checked my credit report and noticed that a very old bankruptcy continues to report on my credit file. This was filed 9 years ago! That is insane to still be reporting on my credit file as the credit reporting limit is 7 years. This needs to be removed immediately.
Consumer complaint received 2022-01-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I had leased a Hyundai XXXX XXXX in XXXX and lease ended on XX/XX/XXXX. I had mailed in a cashiers check in full to buy the lease on XX/XX/XXXX via USPS. The payment was posted on my account in Hyundai Motor Finance. I have not received the title till date ( XX/XX/XXXX ) and when I had called Hyundai motor finance customer service, they mentioned they had mailed the title on XX/XX/XXXX via regular USPS mail service. They are not providing any tracking or proof of shipment. 

Now they are mentioning if I did not receive it, I need to apply for a duplicate title, fill paper work and pay the DMV fee for duplicate title. 

I do not understand why wouldn't Hyundai provide proof of shipment and I strongly believe the onus is on them to ensure the title reached me and not harass me into applying for a duplicate title.
Consumer complaint received 2020-09-03
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Asset Recovery Solutions, LLC (AL)

On XX/XX/XXXX a representative from Asset Recovery Solutions left a voicemail at work that is not private. 

The representative knew they were calling a place of employment. 
They did not know if they had the correct voicemail box or not. 
They did not know who could or would listen to the voicemail. 

They knew it was possible that 1 ) someone else could access the voicemail or 2 )  someone could overhear what the message was about. 
Based on the information above they knew it was more than likely NOT a private voicemail and there was a reasonable likelihood that my employer or coworkers could access the message or listen to it. 

Yet they went ahead and disclosed in the message my name and that it was about a debt. 

The transcript is below. 

hello this is a message for XXXX XXXX if weve reached the wrong number for this person of please hang up or disconnect if you are XXXX XXXX please continue to listen to this message. 
XXXX XXXX you should not listen to this message so other people can hear it hear it as it contains personal and private information This is XXXX XXXX from asset recovery solutions this is an attempt to collect a debt by a debt collector Any information obtained is for that purpose please contact me about an important matter at XXXX thank you
Consumer complaint received 2020-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I was contacted on XXXX about a pair of shoes I was selling. I began a text conversation with the person - XXXX XXXX XXXX XXXX - and we agreed that they would send me a check and I would send them the shoes. She said she was buying the shoes for her daughter in college. She said that the bank issued her the check for my money plus her daughter 's monthly allowance. The check had a routing number of XXXX and an account number of XXXX. It was from XXXX XXXX XXXX and was issued on XX/XX/2020. She asked if I would mind sending the rest of the money along via Zelle after the check cleared. I sent 2 Zelle payments to someone named XXXX XXXX at the email XXXX. One was sent on Monday with a XXXX/Zelle transaction number of XXXX with a value of {$700.00}. The next was sent on Tuesday with a XXXX/Zelle transaction number of XXXX with a value of {$400.00}. They then claimed the daughter could not get the shoes and I could keep the extra {$100.00} for my trouble and repost the shoes on XXXX. Two days later on Thursday the check was refunded by the issuing bank as being fraudulent and {$1200.00} was cleared out of my checking account. Clearing out my account. Please help me get this money back. 

I contacted XXXX on Thursday XXXX and they told me there is nothing they can do since the money was sent bank to bank from a third party vendor ( Zelle ). Zelle has no contact number or support for Fraud so they say.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Prior-I filed a report advising that Transunion is reporting inaccuracies on my report and refuse to validate and or correct. My complaint number is XXXX. Transunion responded to you as well as I, that the debt is validated. Transunion is violating my Fair Credit Reporting rights ( 611 ).  Please see all attachments whereas, XXXX XXXX did not validate this debt, the Bankruptcy court did not validate this debt yet-Transunion refuses to disclose the source. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below or a letter from the actual court regarding the alleged Bankruptcy on my account. XXXX  nor XXXX  is reporting this information, why are they? The document Transunion sent is not sufficient proof that this debt was vaidated. Lastly, the names on the credit report and the alleged account do not match.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (TN)

On XX/XX/2020, 3 charges in the amount of XXXX each were made during the overnight hours to my child support card. I immediately tried calling the We2Go card ( XXXX ) and was on hold for over 2 hours on 2 separate occasions ( was cut off on their end on the 1st attempt ) and was told that nothing could be done because it was a " pending charge '' and to call back when it posted. In the meantime, I had to use another phone to call and cancel the card and was told that it would cost XXXX for a new card and XXXX for expedited shipping, plus every time I did try and call in to try and speak with someone my average wait time was over 3 hours and they charged me XXXX each call. 

On XX/XX/2020, I called again to initiate a fraud claim and was told I needed to wait for the paperwork to be mailed to me, once filled out a provisional credit MAY be applied after 10 days after the receipt of the paperwork. Paperwork was filled out and faxed back to them to quicken the process and finally on day 12 after confirmed receipt, they issued a provisional credit of XXXX posted on XX/XX/2020. Then on XX/XX/2020, they REVERSED the provisional credit causing my balance to go into the negative. I called them again, 2 hours on hold, and was told that even though the investigation was still pending, they reversed the credit and to wait for written correspondence. I then called back the next day, same response, on the next day they said the investigation was complete and the charges were made by me and not fraud. I asked for documentation that was utilized in that conclusion and they said it could take 3-5 business days before that could be mailed to me and all I could do is take it up with the merchant and see if they will refund my money. As of XX/XX/2020, I am still awaiting this documentation. I have been in touch with the merchant and they are experiencing HIGH volumes of fraud cases with this " bank '' and are working diligently trying to get my money back! 

This " bank '' has caused me over 15 hours of hold time, zero answers on being able to speak with the " investigators '', and I am still out over XXXX for charges that were not made by myself. Please help stop this bank from giving more customers the run around and not honoring the federal guidelines of investigations.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 50 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-09-02
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. (FL)

Ran my credit report due to drastic

100 point drop in my credit score.

Found card was opened without my knowledge or permission. Called the card company and sent a letter to them XX/XX/XXXX advising this was fraud and I did not authorize or open account. 
Customer service advised account was opened with address I lived at over 10 years ago and phone number on account that does NOT match my phone I have had and used for 17 years. 
Security Department opened a case. They never called me or responded to my calls to go over the case. On XX/XX/XXXX I got a generic letter from them stating the debt was valid because it was taken from an address associated with me at one point! 

I did not authorize this account. It is fraudulent and card company is not cooperating or completing a fraud investigation. They are denying my case without providing proof even when I sent them two letters showing I can prove I have not lived at this address in over 10 years and have opened many accounts and closed over 10 years never using any address other than the address I reside at. They did not properly trace a false phone number provided for account ( XXXX ) and never contacted me at any time from when account was opened in XX/XX/XXXX until they charged off the account XX/XX/XXXX. The claimed balance overdue was {$190.00} and with late fees total {$360.00}. During XXXX to XXXX they made no attempt to verify my correct address or phone number. 

The customer service at card company did say that they did send letters to an address in XXXX XXXX  XXXX! If they skip traced my entire life history they would have confirmed that I have NEVER lived in XXXX nor ever listed an address there -- EVER. 

I am requesting the company provide me with an application, how consent was obtained, how the account was authenticated, copies of all statements and all correspondence associated with this account so I can provide to my attorney. 

My credit history shows I do not have any accounts in collections, late payments or charged off in my 20 years in XXXX FL. This error is negatively and unjustly impacting my credit score as a charge off. My present credit report is over 40 pages long with multiple opened and closed account ALL in perfect standing. I have hundreds of thousands of dollars in assets and lines of credit and I would never ignore a debt of {$190.00}. Credit card company never called my home phone number of XXXX ever and never sent any correspondence to my address where I have resided since XXXX. 

As an unauthorized account that was fraudulently set up I am requesting the entire trade line be immediately removed from all credit bureau reporting agencies. 

Credit Card Company- XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/2019 I attempted to purchase XXXX tickets to the Broncos/chiefs game in XXXX from two separate individuals and was scammed by both. The first did not send any ticket through XXXX as promised and the second individual sent scanned tickets through email that when I got to the XXXX stadium ( 1.5hr drive ) I was told they were not authentic. Both individuals blocked my number and would not answer when I called from a different phone.
Consumer complaint received 2019-10-23
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. (HI)

On XX/XX/2019, I noticed that there was an inquiry to my TransUnion report. The inquiry was submitted by XXXX. 

XX/XX/2019 at XXXX XXXX ( Hawaii ) I called XXXX at ( XXXX ) XXXX to address the concern that someone fraudulently is using my information to open an account. The woman said that there was most likely a mistake that someone " entered something wrong '' and that there was nothing they could do, and that there was no way for them to track who did it. 

I've never had a XXXX account in my life. This inquiry should be removed from my credit report, as multiple inquiries can affect your score and the obvious fact that this was someone else ( fraudulent or " mistake '' ). 

Thank you for your help.
Consumer complaint received 2020-09-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

We bought a used XXXX XXXX XXXX and it was totaled on XX/XX/XXXX. We had purchased the gap insurance through Toyota through the car purchase. After the accident, my insurance paid $ 11k+ and I reached out to Toyota to have the remainder {$2500.00} paid off via gap insurance. Toyota had some kind of issue sending the info to their gap insurance division as the gap insurance division said they didnt have a claim from Toyota. We went back and forth for days, with both sides refusing to get on a call together to resolve this. This was XXXX. The last interaction we had with the gap insurance from Toyota was they would handle it for us. XX/XX/XXXX and we found it did not get covered by Toyota gap insurance and went through a collector which as of today 's call, said they haven't serviced that account since XX/XX/XXXX. They told us to contact Toyota Financial who is also on our credit report for a resolution, but we have been escalating and being transferred to a lost number of reps and supervisors and no one will resolve this for us. Toyota FinanciaXXXX confirmed no payment was ever made. Essentially, Toyota is selling gap insurance and I am a victim of a gap insurance cover up in which I paid for a service they wont render and is now impacting my credit report and score.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

Our apartment was managed by XXXX in XXXX ga ( XXXX At XXXX XXXX ) I spoke to the office telling them we were buying a hone and would be moving out in XX/XX/2019 thats when our lease was up so we wouldnt renew. The office manager was named XXXX she was fine with this and that was that. Closer to XXXX I spoke to the office and was informed they changed owner ship and that XXXX took all files the lady in the front office said its no problem because we never were late on our rent in the 3 years we lived in this apartment she said to email her a statement saying we would be moving in XXXX so I did. When I went to give them all the info about our move out date XXXX the property manger was rude and said he had no idea about this and that I didnt give them 30 days notice which I did but he was so mean very rude and told me the only way I could move out without being turned over to debt collectors was for me to wave my deposit and to pay for the month of XXXX which was {$1400.00} plus he kept my {$500.00} depot we agreed even XXXX I gave them my notice month ago to XXXX management and felt that it wasnt my problem if they didnt get all the records I couldnt have this on my credit so we just paid the money. We moved out on XX/XX/XXXX and I gave the keys back XXXX even tho I paid for that entire month XXXX said we had to get out we did we had our new hone so that was fine. Months later in XXXX I received a letter saying we still owed {$1200.00} in rent for our last month but this time it said they were going after my XXXX year old son then they sent more letters going after myself and husband. I spoke to XXXX and he said he took care of it but its still on my credit Iv called XXXX office as well and they say the same thing that I paid in full. I even paid XXXX {$50.00} dollars for some paper work that he said would definitely close this case and its still on my credit. I feel this is a scam Iv paid them so much and lost so much I did everything I was supposed to and told todo. Please take this off my credit I was never late on my rent and never was a bad tenant they took my deposit and made me pay for extra month for no reason and now they want more XXXX is the one in charge and I call him every week he still says the account is closed and we owe nothing
Consumer complaint received 2019-10-23
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. (TX)

The following accounts are fraudulent : XXXX XXXX/XXXX- {$1300.00} XXXX XXXX XXXX- {$490.00} XXXX/ XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX {$6900.00} XXXX XXXX {$2100.00} XXXX XXXX- {$4400.00} XXXX- {$1100.00} XXXX XXXX XXXX - {$550.00}
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

Hi, I would like to dispute a charge made with a {$100.00} XXXX gift card that was given to us in XX/XX/2022. We reside in the XXXX XXXX in CA and attempted to use it on a trip to XXXX XXXX, but was denied during the transactions. We called the number at the back of the card and according to the XXXX customer service, an unauthorized purchase was made in XXXX, CA shortly after the XXXX gift card was activated. We contacted the merchant directly to settle the transaction and were told to fill out a form. We filled out said form and sent it in XX/XX/2022 and waited the 30-90 day window and have gotten no updates despite calling merchant.
Consumer complaint received 2020-09-03
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)

XXXX XXXX is restarting the reporting clock on an account in my name unlawfully. XXXX XXXX canceled said account in XXXX of XXXX after not receiving a payment since XXXX of XXXX. They charged off this account in XXXX, but they re-reported it as a charge off in XXXX of XXXX and that has restarted the reporting clock with the three credit bureaus. They acknowledge the debt is very old because in the last quarter of XXXX, they began sending letters to my address stating that this account is so old that they can not legally sue me for the account that is in my name. I have not had any contact with them regarding this account in any way shape or form. I do not, nor have I acknowledged this debt belongs to me with them. I have documentation showing that they have not received any payments since XX/XX/XXXX, so therefore that started the clock for the first delinquency because they have never received any form of payment, nor have they had any communication with me since then. The amount that they are still reporting has not changed for years as well, thus also proving that they have not received any payments on this account to lead them to restart the clock as well. I do not acknowledge that this is my debt. I am solely writing this to make a complaint against XXXX XXXX and to show that they are inaccurately reporting information to the XXXX credit bureaus. I have been denied a housing loan because of this. When they started to report that this account was recently charged off, as opposed to the truth, being that it was charged off in XXXX, it made my credit score drop dramatically. I have disputed this information with the three credit bureaus and they have all stated that XXXX XXXX has verified this information. I have plenty of documentation showing that they are falsely reporting delinquency and charge off dates.