davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation (PA)

I found a previous complaint regarding the reporting of XXXX XXXX XXXX fraudulent report to my credit profile. The response I got was simply file a police report. I have no knowledge of this account I dont know what bureau for district this event took place in. So rather then the Agency investigating looking into or finding the facts they simply throw it on me to prove that theyre wrong in the reporting. The fraudulently reporting to my credit profile while asking me to give them personal information that would allow identity theft to happen while saying if I think its identity theft I mean I dont know if anyone stole my identity I only know its not my account and does not belong there.
Consumer complaint received 2015-05-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XXXX XXXX, 2015, I requested by phone, my free annual credit reports from all XXXX credit reporting agencies. It was indicated that it would take fifteen ( 15 ) days to receive my reports. As of today, I have only received XXXX ( XXXX ) report, which is from Experian.
Consumer complaint received 2016-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have disputed these tax liens reporting on my Transunion Report many different times because these XXXX tax liens do not belong to me. I have dispute letters to Transunion on XXXX XXXX, 2016, XXXX XXXX, 2016, XXXX XXXX & XXXX, 2016, and XXXX XXXX, 2016. I am tired of disputing this inaccurate reporting. I am asking for your assistance in getting this matter resolved and removed from my Transunion Credit File.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I call Transunion to make a dispute on my credit report, the first person I spoke to did not know how to do an online dispute so I spoke to a manager by the name of XXXX. XXXX told me how to go online to do a dispute but it turn out when i try to do it myself I could not figure out how to do it and the manager did not know how to show me to do it. Transunion report for millions of people and I pay a membership fee they should have an easier system to use online to fights dispute. I have a clear letterhead from child support asking to remove delinquency and also that I owe {$0.00}, not {$870.00} stated on my credit report. This is not a collection account it needs to be removed right away. My name is XXXX XXXX, XXXX XXXX XXXX XXXX report number XXXX. I attached Cover letter, Child Support delinquent account and Head head from child support asking to remove Delinquency off my credit report and I owe {$0.00}.
Consumer complaint received 2020-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NY)

On today XX/XX/20 I received a call from a Navient representative stating I owe on my loans as I explained to the representative I do not have the funds due to COVID-19 and being a single mother with an XXXX   child. I would like for the calls to stop and for this charge to be removed from my credit report as well.
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In XXXX I became aware of a {$400.00} collection action on my Transunion credit report for a debt that was not mine. I disputed the issue to TransUnion without success. I complained to the XXXX Office of Consumer Protection and the collection action was removed based on a response from the vendor, XXXX XXXX XXXX, which I have attached. 
In XXXX I became aware that the same {$400.00} debt was back on my Transunion credit report under a different collection agency. I complained to the Office of Consumer Financial Protection ( Case Number XXXX ) and received a response from the collection agency ( attached ) that the debt is not mine and that a different name is on the account. 
I noted that a name I have never used, XXXX XXXX, is listed on my Transunion credit report. This is an error I believe arose from the erroneous collection action in XXXX and it should not be on the report. 
I need the {$400.00} collection action removed from my Transunion credit report. I also need the incorrect name, XXXX XXXX, removed from my Transunion credit report.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I found a previous complaint regarding the reporting of XXXXXXXX XXXX XXXX fraudulent report to my credit profile. The response I got was simply file a police report. I have no knowledge of this account I dont know what bureau for district this event took place in. So rather then the Agency investigating looking into or finding the facts they simply throw it on me to prove that theyre wrong in the reporting. The fraudulently reporting to my credit profile while asking me to give them personal information that would allow identity theft to happen while saying if I think its identity theft I mean I dont know if anyone stole my identity I only know its not my account and does not belong there.
Consumer complaint received 2022-06-14
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)

These are fraudulent informations in my credit report. I did not open these accounts. 

Fraudulent Charges to XXXX XXXX XXXX Account XXXX or Organization : XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$260.00} Fraudulent Personal or Business Loan Company XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$290.00} Fraudulent Rental of Apartment or House Company or Organization : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$1500.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX Date fraud XXXX Date that I discovered it : XX/XX/2022 Total fraudulent amount : {$13000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00}
Consumer complaint received 2022-06-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

I have been dealing with this issue for over the past 2 years now. First with XXXX XXXX XXXX XXXX my acct number for my mortg XXXX is XXXX. XXXX XXXX. They claimed I had unpaid payments of well over {$13000.00} and that WELLS FARGO retracked those payments from my XXXX XXXX Acct due to my bank XXXX XXXX, said " either NSF, or or wrong account number, OR mis applied pymnt. well these accusations are not true. I have contacted not only XXXX XXXX XXXX many times as you will see in your investigations, but also to XXXX that provided me with the docs to show the monies coming out of my acct and never being returned or pd to XXXX. they supplied me with all the tracing numbers and all. I then sent all this to the escalation team at Wells FArgo. They REFUSE TO GIVE ME ANY HELP OR INFORMATION, Stating ..That I am not on the Account or on any account with XXXX I am leaving another email to XXXX XXXX at XXXX re : what Wells had told me. I need this Resolved as I am trying to sell my home and buy another.. I am seeking a settlement out of court of approx. {$48000.00} for the Partial Claim I had to sign to keep my home but for all the hour 's I missed from work and hours and years spent to get this resolved. I just got off the phone with the Supervisor from ells Fargo Escalation Dept ( XXXX XXXX and he still would not help me stating it is XXXX or XXXX  fault. Please help me with this. Thank you, XXXX XXXX
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Experian states they have " verified '' bankruptcies through public records on my credit report. The bankruptcy court does not report to credit bureaus, therefore Experian can not legally verify bankruptcies on my credit report. An employee looking at a computer screen on an Internet database can not legally verify a public record.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (KS)

I have experienced fraudulent activity on my Cash App Account. I have tried to resolve the issues thru the app and emails, but have not received any result and it has been months of trying. I could not get any statements, but was able to go through and write down all the unauthorized transactions : XX/XX/2020 XXXX XXXX - {$74.00} XXXX XXXX - {$79.00} XXXX - {$79.00} XXXX XXXX - {$74.00}
Consumer complaint received 2022-06-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Kikoff Inc. (NJ)

I was a victim of identity fraud. An unauthorized account was opened with Kikoff. When I tried to contact them they initially asked for my name, last XXXX social, and address. After complying I was sent an additional affadavit form asking for XXXX pages worth of information which I do not feel comfortable giving out. I have not had any similar issue with a different institution when I reached out to them regarding an unauthorized account.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXXXXXX, violated my rights. 


In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX, violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 states : A consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I made numerous attempts to file an online dispute concerning false credit reporting items on my TransUnion credit report viewed on the TransUnion website. Every attempt the website did not allow the dispute to be filed and the error Dispute Temporarily Unavailable appeared. I called TransUnion customer support on number XXXX Saturday XX/XX/XXXX at XXXX XXXX to report the website does not allow a dispute to be filed malfunction due to an error Dispute Temporarily Unavailable. On Monday XX/XX/XXXX, I made attempts to file a dispute and the website did not allow the dispute to be filed. I made a screen capture of the error Dispute Temporarily Unavailable. I called TransUnion again on XX/XX/XXXX to file the disputes on number XXXX and TransUnion called me back from XXXX. I filed the credit disputes with the representative. I was given a confirmation number of XXXX. I did not receive any acknowledgement that the disputes are being processed or that the disputes are resolved. The false credit reporting items are still on my TransUnion credit report as of today XX/XX/XXXX. I attempted to attach the screen shot document to this complaint.
Consumer complaint received 2022-06-14
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. (NY)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1-XXXXXXXX XXXX XXXX has violated my rights 2-XXXX XXXX 15 U.S.C 1681 section 602A. states that i have the right to privacy.

15 U.S.C 1681 section 604A. section 2 also states that a consumer reporting agency can not funish an account without my written notice or instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section also states that no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2016-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I have used the on-line transfer feature provided by WellFargo and transferred an amount from my checking account with Wells Fargo to my loan account with Wells Fargo. The site provides a feature that allows customers to pay towards the principal of their loan and this is what I did. On XX/XX/XXXX I have paid the whole principal balance on my mortgage. Being an online payment between accounts with same bank the payment showed up instantaneously and the principal balance of my mortgage became XXXX. I understand at that time that there will be an additional interest due to pay for XX/XX/XXXX and a {$10.00} recording fee and that is why I requested a payoff amount. The payoff statement arrived by mail 5 days later and it showed an additional amount due of {$490.00} which I completely agree to pay. 
However, two days later I have received another statement from Wells Fargo in which they requested additional interest because for some reason they said they did not receive the payoff amount in time. 
I have called them and tried to explain them that as of XX/XX/XXXX my principal was XXXX and therefore they can not charge me any additional interest after XX/XX/XXXX. I do agree to pay the interest due as of XX/XX/XXXX but no more than that. I have opened a case with their so called " executive care team '' but nobody got back to me with a resolution yet. 
At this point I would like to report this to the government agencies in charge with overseeing the mortgage industry as per my understanding it is illegal for an institution to charge interest for the period of time when the balance on the account was XXXX. 
Please feel free to get back to me by email at XXXXXXXXXXXX or cell at XXXX in order to obtain more details on this case.
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In XXXX / XXXX of XXXX, my identity was stolen and a bunch of credit cards were issued in my name by various lenders. I was out of the country when this probably happened and saw mails coming in from these lenders to pay the bills that weren't mine in XXXX. I reached out to the creditors, reported what had happened and asked them to close all accounts. 
Some of them were helpful enough to do that and informed me about the other steps I should take as a victim of identity fraud including XXXX XXXX, XXXX XXXX 
Capital One however, refused to close my account when I informed them about what had happened, and asked me to go to a branch and talk to someone without giving me any details around what department to go to, or providing someone specific that might be able to help me. I did not feel comfortable going into a branch in the middle of the pandemic and kept asking for help through their customer care services. My credit score kept plummeting and the credit line on the cards I owned decreased because of that. I was in a bad mental space and did not pursue legal action. I reached out to someone in XXXX and explained them my plight. They asked me to get in writing from Capital One that my account was created without my permission and only acknowledge the fraudulent activity for my credit score to be fixed. I reached out to them and again, without any support I was shunned down and told there was nothing they could do. 
Months later, in XXXX of XXXX - I received a letter from XXXX XXXX XXXX XXXX informing me that Capital One has placed my account with them for debt collection, and offered me to settle for almost half the amount that was originally owed ( {$200.00} for {$460.00} ). 
I am amazed at the insensitivity of Capital One as one of the biggest banks and also surprised at the callousness with which they handle severe crimes like Identity Theft and the lack of support provided to such victims. My credit score was in the mid 700s and since then, it has plummeted to early 600s and is causing me all sorts of problems. Please help me get my credit score where it was before this catastrophe started.
Consumer complaint received 2022-01-04
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)

XXXX XXXX XXXX XXXX {$10000.00} XX/XX/2018 I have disputed this account on several occasions, I have asked please not to show it in my credit report and it has disappeared but it reappears and I am concerned because I have not authorized it to be displayed
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MI)

The company in question is XXXX. Do to resent medical events and other occurrences, it was a medical suggestion for me to get a pet for emotional support. Long story short, I went to see a pet at XXXX, they had me fill out some paperwork while I played with an adorable puppy. Then I was given 24hours to decide if I wanted the dog that I saw and played with that day. ( XX/XX/XXXX ). 

I came home, did a little research and decided that I did not want the dog, the very next day or any other date in the future. I informed XXXX personnel on ( XX/XX/XXXX ) less than 24hours later of my position, not to proceed with the purchase. A few months passed and some time in XX/XX/XXXX, I received a bill stating that I owed {$2200.00}. I immediately contacted the credit card server to file a complaint. I was told that an investigation would be conducted and that someone would be in touch. No one followed up with me and I continued to receive stressful calls for collection. 

Do to some unforeseen financial issues alone with the medical ones, I was encourage to file bankruptcy and XXXX was a part of the inspiration for me to move forward with the recommendation given by my attorney. 

Perhaps my creditors will get some sort of payoff from the bankruptcy including XXXX, but my complaint and real concern is, how many other individuals are being scammed or harassed into such difficult circumstances and feeling helpless as thought theres nothing they can do about the threat of this type of credit reporting? 

And by the way XXXX has since then remove their companies name from the XXXX, which was where I retrieved most of the discouraging information not to buy a pet from them. And still to this day ( XX/XX/XXXX ) I do not have and did not purchase a pet of any kind from XXXX or any other pet venders.
Consumer complaint received 2023-06-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (VA)

This company has ruined my credit, ,Credit is needed to buy a home, rent an apartment, and buy furniture, I had insurance since XXXX  and I am still being billed for this medical debt, the hospital did used my insurance to pay for this debt
Consumer complaint received 2022-06-14
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. (WV)

I have contacted this company more than once over the months, they always try to say they are not authorizing a third party to send in my dispute? However it was mailed by me from my current address with proper verification documents. What's the point in having a dispute system that I cant use? I've provided proofs of my mailings to TRANSUNION, not ONCE have they looked into a single dispute. So why is it TRANSUNION can not verify my ID and most recent utility bill? Why hasn't TRANSUNION looked into a single dispute if I have provided you all proper documents? its unfair and too me seems like a staling tactic to not have to deal with half the letters they receive because there's NO WAY none of my documents couldn't have been verified and they send me the same response over, and over again. There's nothing I could possibly do/or change to make it more VALID for them to complete there process of investigation. I have provided the proofs of the most recent mailings I have with this company.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NY)

I have attempted to reach XXXX wireless to itemize this bill without success. I am unclear about the charges that are being represented. Furthermore, both XXXX XXXX and a third party collection agency are attempting to collect this debt, which would result in significant overpayment.