davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (UT)

First off Diversified did not notify me that they were going to be collecting this debt and reporting it to the credit bureaus. I did not get any notice to dispute this item until it already appeared on my report. Secondly this same account was previously on my report by a different credit agency who removed it off my report as it was not my account. So Diversified bought this account and it is not mine and was previously proven as not mine. This is a violation of my FCRA. Once I seen it on my reports I sent them a certified letter requesting debt validation. I asked for proof that this is my account such as all accounting info, proof of signature, and proof of account history. They mailed me a bill! This is not debt validation. The bill does not show that I opened this account and that it is mine. My identity was previously stolen and have had problems ever since. So if this debt can not be VALIDATED as my debt it needs to be deleted from all 3 credit reports. As it previously was. If this is not handled accordingly I will go to my local attorney generals and to the BBB and file a complaint.
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (MO)

In lateXX/XX/XXXXwe received a call from a collection agency regarding a debt with XXXX XXXX. I agreed to pay what I was certain was owed, but XXXX was alleging that we had equipment that had not been returned and that we owed for a month of service that we did not use and had asked them to disconnect our service. I submitted a written dispute to said collection agency outlining my issues with the alleged debt. The collection agency sent a letter within 30 days saying they had investigated the issue and were closing their file. I did not retain that letter, as I assumed this was the last I 'd hear of it. 
Today ( XX/XX/XXXX ), another collection agency ( Collection Bureau of the Hudson Valley ) contacted my husband regarding this same debt with  XXXX. My husband 's name and phone number were NEVER on the account with XXXX. They discussed the account with my husband and again, they alleged to him that we owed a balance and still had equipment that was the property of XXXX. I then contacted Collection Bureau of the Hudson Valley and relayed my previous interaction with the first collection agency. They suggested I contact XXXX directly to have them close my account, as they could n't contact XXXX to discuss my account. I contacted XXXX and requested they close my account, and they confirmed that we did not have any of their equipment, and still attempted to collect funds even after I told them I had already disputed the debt. They claimed they had no information on a dispute from the first collection agency, to which I suggested they contact their contracted agency to obtain that information. 
I believe continuing to attempt to collect this debt after a valid, investigated dispute is in violation of the Fair Debt Collection Practices Act. I also believe contacting my husband - who was NOT listed on the account with XXXX - and discussing the alleged debt with him is also in violation of the Fair Debt Collection Practices Act. I 'd like this type of harassment and violations to STOP.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (OR)

The American consumer needs help, please expose the new way banks have suppressed credit. We hear so much about Donald Trump there is no space for consumers. There is always something more important to talk about in the media Who is monitoring credit card and credit score reporters So here is my new realization. The lowering of my credit limit has greatly affected my credit scoring, which in turn has affected the way that my other credit companies are viewing me. So, without me doing anything, my credit scores have plummeted. Because of the falling scores and the balance to available credit limits being forced into a balance to limit ratio by the credit card companies own actions, my credit scores are now below the national average. 
I pay ALL my bills on time and for the right amounts. I kept most of my credit card debt ratios BELOW 30 % and have now been reduced to being classified as a high-risk account holder and am being assessed higher interest rates for my remaining balances. I FOLLOWED ALL THE RULES OF MY CONTRACT WITH THE CREDIT CARD COMPANIES AND THEY REWARD MY LOYALTY BY FORCING MY CREDIT SCORES INTO THE GUTTER. 
If I defaulted on my contract with them, my credit scores would be where they are now. SO, TELL ME WHAT IS THE REWARD IN MY PAYING THEM AT ALL NOW THAT MY CREDIT IS AS IF I HAD BEEN A DEADBEAT?? By the time my credit scores return to where I had them, and paid off with the NEW interest rates that they have given me. Wells Fargo could not give me a satisfactory answer to why they lowered my score.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XXXX XXXX 2016 I contacted XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX by phone and informed a salesperson that they had a car I would like to look at for my wife. I informed the young lady that I would be in in the morning with the cash and would buy the car if it were " as advertised ''. When I arrived the next day I found they had sold the car the day before despite being told at XXXX the XXXX prior that the car was still there. They tried to sell me a more expensive car and I left without doing any further business with them. I later found out they they had run a credit inquiry on me without my permission or authorization. Upon logging into XXXX to post a review of this business I found that I was not the only person this has happened to. When I called the dealership and spoke with the manager I was informed he had my " digital signature '' allowing them to do this. I did not give them anything permitting it. He stated he would have someone contact me. No one did. I called again and was given the run around by another individual claiming to be a manager. He was no help either.
Consumer complaint received 2017-10-10
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: Nelnet, Inc. (TX)

The company by the name of DEPT OF EDUCATION/NELNET is reporting on my credit report. These loans where sold to a company by the name of XXXX. NELNET is also reporting late fees on my report which has been consolidated. All of the NELNET accounts have been on my report before XXXX and open since XXXX there XXXX accounts they are reporting to my credit.
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc. (GA)

We had phone and internet service with XXXX XXXX XXXX XXXX, WI. They were an adequate service for several years. Then one year they decided to jack our rate up with out proper notification. We went several months without paying the jacked up rate during the dispute. They refused to make things right. Finally they cut off service and submitted the inflated debt to a collection agency. I continued to refuse to pay this inflated debt when contacted by the collection agency. I disputed the debt by paying for an attorney to send them a warning letter. They STILL REFUSED to make things right. 

If XXXX had made things right in the first place, not only would they have retained us as a customer, but also they would not owe me XXXX dollars in attorney fees. 

I will be sending a copy of the attorney 's letter when i can find it in my files. 

The service address was to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WI)

A friend of mine wanted to sign up for my credit card - the Delta Platinum Skymiles American Express. I sent him the referral link on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX which he used to sign up. He was approved and signed up, I have even seen his card since then. I called several times, including XXXX/XXXX/XXXX and they told me they did n't even see him as a member. He then called to verify his info and opened a ticket XXXX/XXXX/XXXX. He was given a ticket number XXXX and told we should follow up in 6-8 weeks. as of XXXX/XXXX/XXXX, my friend called back in and was told it was still active. I called in XXXX/XXXX/XXXX and was hung up on, called back in and was told that they deemed I did not earn the referral points. I asked to speak to a supervisor and they said someone would call me back, nobody ever did. Today XXXX/XXXX/XXXX, I called in and they said I did not earn the XXXX points because my friend did n't use the link ... which he in fact did use. I asked to speak to a supervisor again and was told they would call me back. I refused that given my prior experience and was put on hold and eventually transferred. The supervisor told me she can not help, that I would have to reopen another ticket that would take up to another 120 days to review and that I should call tech support at XXXX. At this point, I am so frustrated. I have another friend who wants to sign up but I refuse to refer her in to such a flawed system. I have been a member since XXXX and am beyond frustrated. This is for XXXX referral points!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To my surprise and frustration, inaccurate accounts appeared on my credit report today without any warning. I checked it like usual, but this time, discrepancies were there for no apparent reason. I even refreshed my browser to see if it might be a glitch, but they didnt go away. I would appreciate it if my documents could be thoroughly reviewed so I never have to face this worry again.
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JH Portfolio Debt Equities, LLC (RI)

Credit Control, LLC has been harassing me for the past two years stating I owe them {$240.00} from an XXXX XXXX credit card.. I have responded to this on numerous occasions reporting to them I have excellent credit and this is not my debt ... .What they list is not even my XXXX XXXX credit card number. If the harassment does not stop I will contact my lawyer and take them to court.
Consumer complaint received 2024-10-29
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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2017-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.
Consumer complaint received 2017-10-11
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: Experian Information Solutions Inc. (CO)

XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.
Consumer complaint received 2018-05-15
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: DISCOVER BANK (NJ)

I had an attorney who is working on my case since XX/XX/XXXX, fail to file and protect financial interest in my XXXX   proeprty in Ohio case, lack of authentication rejected my claim for money owe by defenadat what he borowed against my trusted property since XX/XX/XXXX and XX/XX/XXXX, i had provided bank verfiabe USA bANK  documents still he did not file and proetect my interest, he also lie to me that he file XXXX deposition of fedendants, he did not aftere receving entry from XXXX county court clerk XXXX XXXX, and he did not impeach those defendat and he lost my case for around 900k, he also has doen poor job for not enforcing judgemtn what was graqnted sicn XX/XX/XXXX, let defendat do what ever he want to do with his money and fail to collect my judgments, now he want to do more work search etc also telling me lie since XX/XX/XXXX that judgment against whome i have may be that person do not have any investment in any business, may be he will go for bankruptcy, only thing he is inteested is just to collect fee from me and not delivering honest result of my letitgation and ocllection of money, i have to contact other attonrney and now they are asking why you have not collected since last two year for judgment? Why interest rate is only very low why not 10 % or higher, all thing lead to me that my attorney did not do honest and proper job he do not deserve any legal fee from me a, d going to pursue to go to suprem cour tof Ohio for his disciplinary action.
Consumer complaint received 2018-05-15
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. (MI)

I am filling this complaint because TRANSUNION, LLC has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX- that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for XXXX or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want TRANSUNION, LLC and/or TransUnion, LLC to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.
Consumer complaint received 2018-05-15
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. (OR)

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-05-15
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. (VT)

XXXX XXXX XXXX sold my account to XXXX XXXX in XX/XX/XXXX. I paid XXXX XXXX in full as agreed upon. XXXX XXXX deleted their information from my credit report. When I asked XXXX XXXX XXXX to take the information off my credit report, XXXX XXXX XXXX started to report me as " failed to pay ''. I have filed disputes with XXXX XXXX XXXX, which they choose to ignore or say they never received my dispute. The last one I did wasXX/XX/XXXX ( see attached letter ). Every time I ask them to remove the negative they mark me as failed to pay. I have even asked Experian to do a dispute with no results. They have marked me as failed to pay a total of three times on a charged off account where I have repaid the debt to the creditor. I am asking to have these three negatives as well as the entire XXXX XXXX XXXX history removed. I was close to being able to buy a home, but the last time they reported me failed to pay my score dropped 30 points. I feel this is unfair to me since they sold the account 6 years ago. XXXX XXXX XXXX XXXX not be allowed to report on a charged off account. Thank you.
Consumer complaint received 2018-05-15
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)

The following inquiries on Experian credit report was not authorized by me And I would like these inquiries to be removed immediately from my credit report based on the federal fair credit reporting act. 

XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX XXXX- XXXX XXXX XXXX/XXXX- XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Ive had several times removed from my credit and those negative items was the reason why my score was so bad and now after having those items removed XXXX trans union and XXXX has refused to adjust my score causing significant damage to my credit history and hindering future purchases and offers made to me as a consumer. I have even been threatened by employees from all three companies that constantly calling them will not change anything XXXX refuses to remove the items bankruptcies and the others have and they all refuse to verify their methods or verification as I requested several times before
Consumer complaint received 2024-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I requested a transfer of {$20000.00} from Citi to my XXXX account on XX/XX/XXXX. The money hit my XXXX account on the XX/XX/XXXX. 
I started seeing a {$20000.00} pending in my Citi account from the XXXX and did not get adjusted. 
I got an email from Citi on XX/XX/XXXX stating that my transfer request from the XXXX has been cancelled. 
The {$20000.00} debit got posted on citi on XX/XX/XXXX. 
The pending status is still showing and the account has gone to negative balance. 
This is causing a lot of inconvenience and anguish to me since i have to put a hold on some checks i have issued and manage the auto payments to various agencies like my insurance and utilities.
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NC)

I signed up online for a Wells Fargo account because they were offering a {$300.00} checking bonus for making qualifying deposits totaling {$1000.00} within 90 days. I met the requirements, but every time I call, they claim the bonus wasn't applied. The website states that the code is automatically applied for online enrollment, while customers visiting a bank are emailed a code. Since I enrolled online, the bonus should have been automatically applied. This feels like false advertising, and they dont seem willing to resolve the issue. Many other customers have also complained about this situation.