davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I believe I have been targeted by identity theft and XXXX and Transunion both are being deliberately uncooperative. Thankfully XXXX still follows standard procedures. I have reported numerous inquiries as fraudulent to XXXX, and also a medical issue showing a collections on my report. I have called the medical company and there is a XXXX balance. I owe no money to this institution. I believe years ago there was something I disputed with this institution because they had tried to send me a bill they couldn't even make clear to me what it was for. It made no sense to me and I had believed it was some kind of error on their end. I never received the bill until the collections agent got in touch with me. It was only {$50.00} so I paid the collections because I was receiving harsh threats from them and the amount had to be paid " or else they would put it on my credit report ''. It seems they decided to do it anyway after payment. XXXX responded to my first letter, ignoring completely this vague medical issue that doesn't even have a balance, and refused to investigate the inquiries. They responded the day they received my letter a month ago, " stating all on my report was factual. '' My 2nd letter was responded to more slowly and they replied that " there are no files on my report with the credentials I provided ''. They address their response to " XXXX XXXX '' instead of " XXXX '' as they had done the first time. I provided proof of my identity and again explained the issue with the fraudulent inquiries. This letter and the rest have been completely ignored. When I call them they say " we do not investigate inquiries. It is not our responsibility. You have to file a police report for such things. '' Naturally, I attempted to file a police report and the police confirmed it is their responsibility to handle such issues. I know for a fact my inquiries were not investigated as there are inquiries on my report from companies that no longer exist ( XXXX XXXX for example ). Had they done their investigation they would have discovered that the creditors can not provide proof of any document that I authorized a credit pull. 
Transunion has simply ignored all letters that I have sent to them over the past 5 weeks or so and they have no intention of doing so. They also claim it is not their responsibility to investigate identity theft or fraudulent inquiries, and that I have to deal with it through the police. Both of these companies have had ample time to respond and refuse to answer, and by law, are required to remove these harmful and inaccurate records from my report. I am being personally harmed by this as I need to apply for a loan and I can't, because of these excessive inquiries. I will soon be forced to take legal action if they continue to violate my rights under the fair reporting act. Please assist
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (PA)

I have the Chime card. I was attempting to use it on XX/XX/XXXX and when putting in the cvv code it said wrong code. I checked my card and it was correct so I tried again, same thing three times. I then tried to chat on their app with customer service and it would not open up. I tried several more times with no success. At this point I checked online and saw that many, many people were experiencing the same problems, not able to use their card, being stuck in restaurants or stores without being able to pay. Their app had obviously been hacked. I called their customer service and after hours finally got through to someone who said they were helping but it was a scammer. Chime had recently added a pay anyone option and the person helping ended up being a scammer and through the pay anyone option sent all my money to him except for XXXX cents. I reported it immediately and filed a complaint. They said they would do an investigation and have an answer in ten days. Well they sent their answer less than 24 hours later and said no error occurred and would not give me my {$250.00} back! I called and went through the same thing three times before giving up hope they would help. The customer service people were all people whom English was clearly not their first language and I couldnt understand them nor could they understand me. They kept thinking I had used the pay anyone option and sent this person the money willingly however I never used it even once. The scammer had hacked into Chimes own app as this happened to hundreds upon hundreds people I saw online and had hacked into the pay anyone feature and taken their money and they said the same thing to them, no error occurred. They refuse to budge and obviously did zero investigation into anything as it was always an quick response. Their app was scanned, this is clearly their fault but they are just refusing to give people their money back. I thought they had insurance? This is no way to treat customers. I have plenty of screen shots from that day of people reporting the same thing. I am a XXXX senior citizen living on a tight fixed income and I need that money badly. Can you help? I have exhausted all efforts with Chime. Isnt it illegal to do this? I can add screen shots if needed.
Consumer complaint received 2018-05-19
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. (NC)

I was part of both company data breaches when XXXX  system was compromised and this past year I was notified via email of the issue. I went from having 12 Inquiries that I have valid accounts for to 49 and some are done in the same day multiple times and some in the span of 3 days. I have not done the 49 inquiries. I called Equifax multiple times for help to rectify the situation and to no avail I am still in the same spot, they told me to call each creditor which I attempted to do with 5 of them but i have the same result they have no knowledge or information showing I applied and to call Equifiax back this has been on going and it just seems as if Equifax does not want to help when their system compromised my information. I have provided the inquiries below and before they send a definition of what a hard inquire is I know very well a factual record but its not factual if somebody is using your information. So I have a Security freeze on my reports now.

Below are the following inquiries : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Please investigate these negative accounts on my credit report I have disputed these accounts multiple times and I have received no verification as to why these accounts are on my report plus it has been more then thirty days
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-17
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX Balance : {$7100.00}
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CREDIT ACCEPTANCE CORPORATION (TN)

On XX/XX/XXXX, I decided to refinance my car. I paid {$680.00} to Credit Acceptance Corporation. This was the difference in the actual value of my XXXX XXXX XXXX and the l balance with the lender at the time, Credit Acceptance Corporation. My credit union paid off the remaining balance. The transaction was seamless. I refinanced my car and the first payment has been deducted from my checking account with my credit union. 

On XX/XX/XXXX, I decided to make sure my mortgage payment had processed. While checking my account, I noticed that {$390.00} had been deducted by Credit Acceptance Corporation. I called and spoke to a nice young lady named XXXX. I told her about my dilemma, explaining that I did not want my mortgage payment and several other charges to bounce due to their mistake. Although she was very sympathetic, she said that she would need documentation from me, that it could be a lengthy process, and that it would be quicker for me to contact my credit union to have them dispute it. She confirmed that my account was paid off and that the payment was deducted anyway. She was just doing her job, and I understand that. But it left me, as a consumer in the cold. 

By the grace of God, I did have a few extra dollars to keep my mortgage from returning unpaid. It is automatically deducted from my checking account each month. But what If I had no other resources? This should not happen to anyone. It shows negligence on behalf of Credit Acceptance Corporation. Now I have to wait 5-10 business days for the funds to be disputed and restored to my account through my credit union. I am grateful that I had the extra funds to make up for the shortfall, but now I do not have access to that money during a pandemic. That is not fair. 

Not only do I want my funds refunded, but I also would like a letter on CAC letterhead apologizing for their mistake and promising that they have taken steps to keep this from ever happening again. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX processed my car refinance flawlessly. Their name should not be mentioned in anything published on line. This is strictly between me and CAC.
Consumer complaint received 2023-04-16
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. (FL)

On XX/XX/2022 a credit card account XXXX  XXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies Transunion, XXXX and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report. 
The XXXX XXXX XXXX, already responded my claim and closed the account without perjudice to my report but the XXXX, Transunion and XXXX are still reporting the alleged account under my name, damaging my report and credit score by reporting an account that IS NOT MINE as the XXXX XXXX  already admitted.
Consumer complaint received 2020-08-02
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. (NY)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX XXXX
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC (OH)

I cancelled service with XXXX XXXX XXXX XXXX XXXX. I paid my final bill to them on the account. I then got a {$40.00} bill for unreturned equipment on XX/XX/XXXX. I had returned the equipment on XX/XX/XXXX. I have a receipt for the return from the XXXX store. I called and informed XXXX of this and they said that the warehouse probably had not recorded the return yet. They said they would get back to me, but never did. I assumed they found the equipment had been returned and canceled the payment due. Instead, they must have turned the debt over to Sequium Asset Solutions for collection. 


On XX/XX/XXXX I got a collection letter from Sequium Asset Solutions , LLC demanding {$40.00} for a debt I can prove I do not owe. They threatened my credit rating. I called them and explained that I did not owe this debt and that I have proof the equipment had been returned. They said they would send the collection request back to XXXX XXXX XXXX XXXX XXXX for review. After verifying that this debt was not owed, I attempted to call XXXX, but the call ended when their automated system checked my account. 

I called XXXX XXXX XXXX / XXXX on XXXX/XXXX/XXXX and was told the equipment was returned and not only did I not owe money on the account, I had a credit owed to me of around {$8.00}. And yet, XXXX XXXX XXXX / XXXX obviously sent this " debt '' to a collection agency.
Consumer complaint received 2020-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports., 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 gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I WAS PREVIOUSLY EMPLOYED BY XXXX XXXX XXXX FROM XXXX UNTIL XXXX AS A XXXX XXXX UNIVERSITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNTIL XXXX AS AN XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FROM XXXX UNTIL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FROM XXXX UNTIL XXXX, AND XXXX AS XXXX XXXX XXXX FROM XXXX UNTIL XXXX. I HAVE BEEN EMPLOYED WITH THE U.S. DEPARTMENT XXXX XXXX XXXX AS A XXXX  SINCE XXXX UNTIL PRESENT. My credit report was inaccurate.
Consumer complaint received 2020-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (PA)

XX/XX/XXXX : Found a Huntington checking account promotion online offering {$150.00} to open their Asterick-Free Checking account. Screenshot of offer is attached below. I opened the account on XX/XX/XXXX by clicking the Apply Online button on their promotion page.

Offer Details : 1. Open account by XX/XX/XXXX. I did that on XX/XX/XXXX. 2. Make deposits of {$1000.00} within 60 days and keep account open for at least 90 days. I had a payroll deposit on XX/XX/XXXX of {$2300.00} so fulfilled that requirement as well. XXXX. {$150.00} will be deposited within 14 days of meeting requirements. This never happened. 

Week of XX/XX/XXXX : I made numerous inquiries both online chat and phone asking why the bonus was not there. 
XX/XX/XXXX : I reached a supervisor named XXXX. I explained the situation, she said there was no promotional code attached to my account. I let her know that there was no code to enter, that you simply click the Apply Online button. She said yes, that's right because it's an online account. I emailed her a screenshot of the promotion to her email provided which she said she received XXXX. She said she'd submit the request to have the {$150.00} deposited within 24-48 hours on XX/XX/XXXX. She said she'd call me back on XX/XX/XXXX if there were any issues. I never heard from her and the {$150.00} was never deposited. Today it's XX/XX/XXXX, and she isn't responding to emails. I've emailed her 6 times. Nothing and no response in my bank account messages, calls, voicemails, emails, nothing saying what happened to the {$150.00} request. I can only assume that Huntington is sticking to the " no code was entered '' line which is not accurate and I am afraid it's happening to me and more people for them to get people to sign up for accounts and avoid paying the promised promotional bonus.
Consumer complaint received 2020-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXXXXXX My phone number is XXXX
Consumer complaint received 2020-08-19
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$20000.00} XXXX {$4000.00} US DEPT ED XXXX {$7300.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$900.00} XXXX XXXX   XXXX {$320.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$120.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$9400.00} XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX   XXXX {$8200.00} XXXX  XXXX {$3300.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX XXXXXXXX {$500.00} XXXX XXXX-XXXX  {$900.00} XXXX XXXX {$3700.00} XXXX/XXXX XXXX {$1700.00} XXXX XXXX {$8100.00}
Consumer complaint received 2020-08-02
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. (IL)

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXXXXXX My phone number is XXXX
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners (TX)

Pendrick capital llc has been harassing me since last year during the winter time. Ive called them in XXXX of this year along with the collection agencies they hire to collect the money owed. And they gave me different amounts owed to different companies, they have threatened me to get penalized by the courts ; they have contacted friends, they continue to harass me through calls letters and adding new collection agencies to my account. Lack of response to debt verification and inaccurate reporting to the credit bureaus.