davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-23
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. (WA)

I recently had some negative information reported on my Transunion, XXXX   and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

Trans Union File Number : XXXX XXXX Report Number XXXX XXXX SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These number do not belong to me!! 
( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have attached proof of my address in this complaint.
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

XXXX XXXX placed a collection on my credit history in XX/XX/XXXX claiming that I owed money to XXXX XXXX as ofXX/XX/XXXX, which I don't seeing as how I have not had XXXX XXXX  in my household in years. The debt was originally placed for collection by another company, which removed it after a lengthy dispute which found it to be fraudulent, only to have it pop up AGAIN with this company.

I have disputed it in XXXX and it was removed, XXXX and XXXX have refused to remove it and claim it to be accurate, yet I still have yet to see a bill dated XX/XX/XXXX that shows that I owe any money from anyone. This company is simply trying to collect something that was already proven to not be owed.
Consumer complaint received 2018-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (FL)

1. During the hurricane last year XX/XX/XXXX I had to evaluate. This situation left me and my family in dire straits. 
2. I contacted as many creditors as possible to request a deferment because of the storm. 
3. I spoke with the XXXX XXXX XXXX and explained the situation and requested a deferment. 
4. Un be known to me I didn't get the deferment. 
5. The account went past due. After I received money in XX/XX/XXXX I paid XXXX to the XXXX debt. 
6. XXXX XXXX still forward my debt to the IRS and to a debt collection agency. 
7. I paid another XXXX to the XXXX XXXXe towards the bill 8. In XXXX I received a letter from the IRS stating that they collected the remainder of the debt. 
9. XXXX XXXXr continues to show a past due amount on each of my credit reports and refuse to send me a paid in full letter. I get the run around and treated very badly when I call in.
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

There are a few problems Late Fees - I attempted to get a waiver on a late fee via customer service back on XX/XX/2018. I missed my payment by a day and apologized. This was my first time ever being late and asked for the fee to be removed. I was told no. Generally with most cards they will waive a late fee. 

Charges - There was a recurring charge that I notified them on in XXXX that should not have been approved. This charge caused my account to go over the limit. I notified them in XXXX via email to not approve any charges while my account was over the limit they continued to do so
Consumer complaint received 2018-05-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

The auto house in my city was scamming people big time it was all over the news and I was one of the customers involved. I went in to purchase a car and they had just got a trade in. They immediately sold me the car without checking the car out. I was promised that if I found anything wrong to bring it to them to be fixed free of charge. After 2 weeks I tried to get them to start fixing some major problems such as no heat, XXXX converter clogged up, and more they failed to honor their word. The car barely ran and I let them take it back. I need them to remove that crap from my credit report it's really hurting me.
Consumer complaint received 2018-05-23
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: Experian Information Solutions Inc. (NC)

I reached out to Experian on XX/XX/XXXX. I reached out via USPS letter. I also called. In the letter I asked for them to verify debts from XXXX XXXX XXXX. I asked for them to provide me with all documentations that had on file as of XX/XX/XXXX that were used to verify these fraudulent accounts, I asked for the name, number and address of the person who personally verified these accounts. I received their dispute results and Experian has slapped me and the fcra in the face. They refuse to follow the basic laws. I've reported identiy theft to them. Put an ID sercurity alert and asked for the accounts and inquires that were fraud to be deleted. XXXX  and XXXX  have followed through. 

Experian believes they are above the law. I'm now demanding they provide me with everything they have in their files as of XX/XX/XXXX that was used to verify XXXXXXXX XXXX XXXX and to remove all fraudulent inquires asap. 

I will file a complaint with FTC, XXXX  and the attorney general.
Consumer complaint received 2018-05-23
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: CITIBANK, N.A. (FL)

We made a reservation through XXXX we used their special offers where they guarantee that 2 adults will sleep comfortably. We followed the instructions to make the reservation in which we never had the option to ask for more beds or request a bigger room. We kept following the prompts to continue the reservation hoping that we would be allowed to enter the number of adults on the trip, but this never happened. When we finished making the reservation we called the hotel & XXXX within minutes to confirm that we would be able to have 4 adults on this room, however, we were told by the hotel that they could not accommodate 4 people and when we called XXXX they shut us down right away with no options given. This purchase was done XX/XX/XXXX or XX/XX/XXXX. XXXX didn't want to work with us or accommodate us at all. I attached a letter with more detailed information in regards to this transaction. 
That same day I called my credit card company Citi cards and I was told that as soon as the transaction posted to the account I will be able to dispute it and cancel it. That information was misleading ... they provided me with a temporary credit, but at the end they stood up by XXXX and charged me back the total amount of this purchase. I am now writing because I have disputed the charge with Citibank, but they have sided with XXXX because their terms state that the XXXX XXXX reservations through XXXX are non-refundable. It was our XXXX vacation and we went ahead and booked with a different company because citibank assured us that the purchase with XXXX will be refunded, that didn't happened.
Consumer complaint received 2018-06-20
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. (NY)

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-28
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. (FL)

My first round of disputes started at the beginning of XXXX. Everything I disputed came back verified and updated however my second round started at the beginning of XXXX. But I noticed there was a lot of incorrect information so my second round was more about getting all the incorrect information removed. I have the results saying that the addresses and other incorrect information have been removed but all of the items that's attached to those incorrect addresses and names and information is still reporting on my credit report. I have not submitted my third round yet because I don't want them to just say they updated it. Multiple inaccuracies across all XXXX  bureaus
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (AL)

I was called on XX/XX/XXXXin regards to a debt with a leasing company. When I initially got the letter I tried to call to set up a payment plan to get the debt payed off. No one ever returned my call. On XX/XX/XXXX I received a call from IQ DATA INTERNATIONAL. The rep stated that I had until XX/XX/XXXX to make the payment in whole or they would be forced to put the debt on my credit. I explained to her that I would not have {$1100.00} by XX/XX/XXXX and could I arrange To make payments to have it paid off by the end of XXXX. She told me no that they could not do that and that she would put a senior account associate on the call. The senior account associate asked me if I could write a check my phone for the full amount on XX/XX/XXXX and that they would cash it on XX/XX/XXXX. At that point I didnt feel comfortable so I asked if he would hold on while I called my husband. Once my husband got on the phone he stated that he could take the debt down to {$800.00} if we paid by the end of XXXX and my husband told him we wouldnt have it by then. He then proceeded to say that it would be considered failure to pay and it would go on our credit. I asked once again could we not make payments and he stated we couldnt and he hated what was about to happen to us. So at that point I got upset. I asked what do you mean what is about to happen to us. He said he was an at liberty to say. I asked was he gon na garnish our wages and he stated more than likely. I then asked him why would they just call and and want payment immediately like that. This is the first time they have tried to reach us. He then began to yell and he got very volatile with us and hung up in our faces.
Consumer complaint received 2018-05-22
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: AMERICAN EXPRESS COMPANY (NY)

I rented a car from XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I paid for the rental on my Amex XXXX XXXX XXXX. I paid {$19.00} for Amex car rental insurance. I returned the car undamaged. The rental company alleged damage and charged my credit card an unapproved {$230.00}. I disputed the charge. Amex contacted the merchant and sent me an unreadable PDF document. I asked for a legible copy, but one was never provided and Amex closed the dispute. I then lodged a claim with Amex car rental insurance. I sent them all the documents in my possession, but some items - for example - an accident report and an estimate for the cost of repairing the damage - are not in my power to produce because there was no accident and no damage. 
I am in a catch 22 situation. The whole charge is fictitious and the insurance claim is being denied, and I am down by my {$230.00}. 
I attach a photo of the " damaged '' car taken at return
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (FL)

Optimum Outcomes a collection agency is reporting derogatory information on my XXXX report for XXXX dollars and XXXX dollars. I have reached out to company twice to verify debt with original creditor and no response. I have disputed with XXXX   and still deletion.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from XXXX student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with XXXX were purchased by XXXX my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from XXXX. The credit bureaus disputed but results came back saying to contact XXXX. I reached out to XXXX via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to XXXX asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX. 
Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.
Consumer complaint received 2024-09-21
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

I do not recognize this debt because I have never had XXXX service, I have explained this to XXXX  when I saw it on my report and they said they could do nothing I had to pay it even though I told them i have no knowledge of the debt. They sold the debt to Jefferson capital systems # XXXX service in 2023 and I have explained the same thing to them that this is not my debt I have never had this service and they are still reporting negatively on my credit report ( this debt is now XXXX yrs old ) which is affect my live in a bad way can I please have help with this matter thank you
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I have a business that often receives payments made out to my business name, my clients name ( s ) and their lender 's name. Their lender requires my business to endorse the back side of the check with a signature guarantee, which is performed at the branch level of a bank by an account manager ( desk employee, not teller ). To my understanding a signature guarantee from the bank means the bank is guaranteeing that I have an account with them and that I am an authorized signer on that account. If that is all it is, how can and why can my bank place a limit of {$25000.00} on the amount of check they are guaranteeing my signature for. The funds from that check are not being placed in any account with that bank. The bank has no apparent liability. They will perform the same action on any check under {$25000.00}.
Consumer complaint received 2018-05-22
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. (NY)

I am submitting this complaint about XXXX credit reporting company. There is an account XXXX XXXX XXXX  that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report
Consumer complaint received 2018-05-22
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. (NY)

I am submitting this complaint about XXXX  credit reporting company. There is an account XXXX XXXX XXXX  that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO XXXX XXXX XXXX
Consumer complaint received 2018-05-23
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. (TX)

XXXX XXXX, a contractor, in XXXX sold me an ac unit. They offered financing and told me i needed to submit an application through XXXX XXXX in order to get financing offers through XXXX XXXX and XXXXXXXX XXXX at special low interest rates. The salesperson 's name was XXXX XXXX and the owner is XXXX XXXX. They lied. On XX/XX/2018, this caused a hard hit on my credit report and XXXX was the actual financing company. I have excellent credit and this cause my score to drop 10 points. They offered me 18 % interest and wanted me to pay {$11000.00} for a {$6200.00} 14 seer ac. XXXX  was trying to rip me off so i did not use them and i paid on my credit card instead. I contacted XXXX XXXX. XXXX said he would call XXXX to have the inquiry removed because the salesperson should not have lied to me about XXXX being the financing company. I also called XXXX, they would not remove because they said it wasn't fraud. I told them i submitted the application under false pretenses. Please help. I spoke with XXXX at XXXX and her manager. XXXX. XXXX 's number is XXXX.
Consumer complaint received 2018-05-23
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: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the ip adresss used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (LA)

I spoke with one " XXXX '' from the credit/reporting department at MOHELA at which time I asked her why I was reported 90/120 days late without a 30 or 60-day report so that the issue could be addressed sooner. She graciously explained federal reporting requirements. I advised that I wasn't contacted prior. However, she suggested that it is MY responsibility to update personal contact information with MOHELA. Branding me with culpability was premature and unnecessary. As it happens, I am on a temporary job assignment with XXXX, my employer of approximately 5 years. I am out-of state sporadically for work and I requested forwarding for all applicable XXXX addresses to XXXX  so that I would not miss any mail. I asked what address they were contacting and she provided addresses that were several years outdated that I had never furnished to MOHELA instead of the most recent that actually had. As a consequence of correspondence being delayed, I lost 168 points on my credit score. I did not receive any emails. I did not receive any phone calls or at the very least any voice messages from any representative at MOHELA, yet this representative by the name of XXXX suggested that the 90-days late reporting was justified because " nobody could get in-touch with [ me. ] '' Regardless of the account being current at this time, the negative impact on my credit history is a present issue. Before it is asked, I had not made contact with MOHELA sooner because I had been planning my return to school.
Consumer complaint received 2018-05-22
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, XXXX and EQUIFAX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.