davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have written to XXXX, Transunion and XXXX regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. XXXX, Transunion and XXXX have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.
Consumer complaint received 2018-11-26
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. (FL)

I have been writing every 30 days to Transunion and XXXX about a Bankruptcy that is showing on my credit and i have wrote XXXX  and it was removed but stills appears or other too I have wrote UNITED STATES BANKRUPTCY COURT in XXXX fl and they did send confirmation that they do not verify and the credit bureaus keep saying they have verify with the bankruptcy department this bankruptcy is not my account I will include letter from bankruptcy department and XXXX  report showing bankruptcy been removed
Consumer complaint received 2018-11-26
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: Experian Information Solutions Inc. (IN)

I have recently checked my credit report because I was getting notifications of inquiries being reported or added to my report, I was ignoring them at first because I didn't understand what they were saying, I recently checked XXXX XXXX it told me I had 35 inquiries with XXXX and 13 with XXXX  along with experian none of which I applied for credit, or gave consent to financial institutes to run my name or social. Im not really sure how this came about but I would like to get it resolved in a timely fashion. I am attaching the police report along with this complaint in regards to the inquiries that were ran without my knowledge or consent.
Consumer complaint received 2023-07-31
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. (IN)

I am submitting this complaint for these two bureaus to remove the unauthorized inquiries that do not and never belonged to me! 

TransUnion : XXXXXXXX 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
Consumer complaint received 2023-08-01
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I contacted XXXX XXXX regarding the collection on my credit file. Due to an insurance cancellation and billing error, there was an unpaid bill showing as due that was inaccurate. In order to save time, I offered to pay the bill in full in the amount of {$310.00} if the inaccurate account was removed from my credit file. The payment cleared my account and was never removed as agreed. See attached letter and check.
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (CA)

I have received a debt collection, that was sent to the wrong address. The letter is dated XX/XX/2023, was sent to south dakota, however, I am a military  member with the XXXX XXXX working in california. I do not have the 30 days to respond, because there response time line is XX/XX/XXXX. 

The account number is XXXX, through wakefield and associates. The disputing party is XXXX XXXX, California. I do not recoginze that name. I do not have proof of the debt, and if its what I assume to be a medical bill collection through XXXX XXXX  XXXX XXXX ; that debt is a workers compensation claim that I have already attempted to settle through my employer, but they fail to send payment. Otherwise, I am not responsible for this debt, and Wakefield and associates needs to cease and decist, contact the appropriate parties for the collection of any medical payments. This is the second time and I am being harrassed for an obligation that I am not responsible for. 

Also, I tried calling wakefield and associates, but the refuse to answer the phone. I have left two messages. I also attempted to communicate via their chatbot, attempted to enter my account number, but the XXXX  digit entry box will not accept XXXX, which is the account number on their notice.
Consumer complaint received 2023-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On XX/XX/2023 approximately at XXXX XXXX center time I begin receiving emails regarding withdrawals being made to my cash app account from a atm machine. I was at a concert in downtown XXXX at the time of the withdrawals and never went by any ATM to make any transactions on XX/XX/2023. Five each for XXXX XXXX withdrawals all totaled XXXX XXXX I believed somehow my card information was compromised allowing someone to duplicate a card. I called cash app service and immediately and reported the withdrawals along with filing disputes of the transactions. The following days I went to my local police department and filed a fraud report for the fraudulent transactions along with a federal fraud report that I was also instructed by the police officers to do. Cash app refuses to do any investigation into the illegal withdrawals simply stating that I must have used the card or authorized usage when I clearly have never given out my card for usage by anyone nor have I shared information in regards to my account info with anyone on purpose. Cash app refuse to release the funds to work or even review the police report filed and Ive sent various of forms of proof that I did not make these transactions and did not authorize these transactions.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am writing to express my concern regarding the accuracy and integrity of your company 's data. As per the FCRA section 611, it is crucial to maintain accurate records that can be relied upon by not just customers but also potential lenders and employers. I have done some research on Metro 2 compliance standards, and I believe there may be some inaccuracies in reporting going forward if these issues are not promptly addressed. Before taking any further action, I would appreciate any feedback you can provide to resolve these issues amicably. The following items are listed in the attach to the letter.
Consumer complaint received 2023-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/23 Disputes were opened on multiple accounts being reported by Transunion. 
On XX/XX/23 I received an update copy in the mail of my credit report all disputes were not marked on my credit report as account information disputed by consumer. 
The following are the account not marked as disputed by Transunion 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  This is a violation of federal law Duty to provide notice of dispute
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I applied for a credit card via the XXXX XXXX website on or before XX/XX/. Now, I was not able to charge my flight to the card to benefit from applying. I was told that I had to wait to get the card in the mail. At the time of applying I was not being charged an Annual Fee of {$79.00}. Why should I pay XXXX to pay XXXX XXXX {$30.00} XXXX in Compensation. 

I have never used this card. This card is attempting to collect a debt, I do not owe, nor did I agree to this charge. The card is currently, past due this annual fee. They say, I have been late since XXXX. I do not want to have this reported negatively on my credit report nor do I want to use. 

Could you tell me if I close the account will it negatively affect my credit report score. I have excellent credit.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

Today I received a letter from I.C. System INC. 
Said I owed money to XXXX XXXX, but I never Used their company 's cell phone service. I remember around XXXX last year, There is a XXXX XXXX bill that shows up on my credit report. 
I then called XXXX and also called my credit reporting company to dispute. They said they would follow up on it. Then they removed XXXX XXXX from my credit report. Until today, I received this letter from I.C. System INC? I don't know what to do, I can only turn to you guys for help! Hope you guys can help me!!! thank you all!!!
Consumer complaint received 2023-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TN)

I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX insurance nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did not open or use this account.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IL)

Fraudulent charges : Amounts {$1200.00}, {$5000.00}. Date XX/XX/2023. XXXX dispute opened by me with Apple Card XX/XX/2023. XXXX dispute for XXXX closed and reopened XX/XX/2023. XXXX dispute for XXXX still open until XX/XX/2023. 

My card information was stolen from me via a phone scam. The scam was human engineering by callers who spoofed the Apple Card support phone number. 

I received a call from scammers impersonating Apple Card support. Claiming there were fraudulent charges on my account, the scammer led me through a series of steps where I shared information about myself and accounts so that the charges could be reversed. This included reading previous charges, my XXXX, expiration date, but not my card number. When I answered the call, The scammers already had some access to my account which I am unaware of how they stole for example, the scammers knew my current account balance and they knew the first XXXX digits of my credit card. On the phone, I gave other information like my XXXX code under the pretense I was verifying my info with XXXX XXXX. 

The next day, I noticed XXXX fraudulent charges on my account to a merchant named XXXX in the amount of {$1200.00} and {$5000.00}. 

I reached out to XXXX XXXX. They informed me the previous days callers were not the real XXXX support, and that my personal information had been stolen from me. I opened a fraud dispute. 

Yesterday, my fraud dispute was denied by Apple Card. Apple Card claims that they got evidence from the merchant that I authorized the charge. However this is false. 

My information was stolen from me by fraudulent means and the used by another individual without my authorization. There was never any expectation that any charges should me made or any services or goods received, and indeed no goods or services were exchanged. 

XXXX XXXX claim that this is an authorized charge is not true. I believe I am protected by XXXX XXXX my information was stolen through fraud or force, there was no benefit purported or received ( the scammers claim is to reverse fraud charges ), and the user who made the charge did not have my authorization to make any charges.
Consumer complaint received 2023-07-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX  and TransUnion to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
Consumer complaint received 2023-07-22
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. (AZ)

On or about XX/XX/XXXX, upon checking my credit report I discovered that I had become a victim of Identity theft. I hired movers to move my belongings into my new home and upon packing realized that the file box containing all of my identifying information as well as the documents for my children had been stolen. My data was also leaked in the XXXX XXXX XXXX as well as the XXXX XXXX data breech. I have reached out to the companies as well as credit reporting agencies who advised me that I needed to file police reports which I have done yet the fraudulent accounts are still reporting on my reports. I sent letters disputing inaccurate reporting per consumer laws, As a victim of identity theft, I understand the importance of accurate and fair credit reporting practices, as well as the protections granted to me under the FCRA. According to USC 1681b, credit reporting agencies are required to have a permissible purpose for obtaining and disclosing consumer credit information. In the case of identity theft, reporting bankruptcy information resulting from the theft violates the permissible purpose requirements. 


This has been an ongoing issue as I am continually noticing account after account showing on my credit reports. There were 2 bankruptcies filed in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, multiple auto loans opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as well as multiple credit cards with XXXX XXXX XXXXXXXX which is listed as a charge off, Multiple self lender accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts among others and they have refused to take any action as it pertains to a resolution. The only action taken was adding a fraud victim alert to my profile. 

I sent them a letter stating, Under 15 U.S. Code 1681c-2, if a consumer has been a victim of identity theft and provides the credit reporting agency with a valid identity theft report, the agency must block the reporting of any information that is the result of identity theft. The blocked information will not be included in the consumer 's credit report or disclosed to third parties. I submitted ID theft reports on XX/XX/XXXX as well as XX/XX/XXXX. I was sent stall letters from the bureaus stating that I may have sent the letters in error and also stall letters stating that I need to provide Identifying documentation in order for them to proceed with any action. I sent copies of my Drivers license, a piece of mail as well as a copy of my SS Card. I have been victimized my the identity thieves as well as the credit reporting agencies at this point since they have been notified of fraudulent activity and fail to report accurate information.
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

A modification was requested from XXXX XXXX XXXX  in XXXX for my mortgage. During the request the mortgage was not late and no payments were missed prior to the request. The request was due to income being reduced by {$3000.00} yearly. The modification was subsequently reduced however a charge of {$1000.00} appeared on my mortgage statement as recoverable advance. As stated before I was never advised that a modification cost {$1000.00} nor had a I signed any papers or received any documentation for fees incurred. The loan has since been transferred to a mortgage servicing company that will not accept mortgage payments forcing me into delinquency unless I pay for a modification granted in XXXX that I never received any correspondence that HAMP modifications cost that much.
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (DC)

Days ago, I went and bought a gift card at XXXX store ( XXXX XXXX XXXXXXXX XXXX DC, see the exhibit ). I have been doing it for decades. But, It could not work to pay for my email purchase at XXXX. I did try several times and then I realized that when I did back up it was registering a different number ( changed the last 5 numbers ) but kept the typed expiration date and security code. Then I did access the company website ( www.vanillagift.com ) but there everything was good, the balance was {$100.00}. So I went back to the same store, the consumer service staff checked and told me she was not allowed to proceed for the trade her manager will be there in the morning to do it. So she did stapled my receipt with my card. Next day, I came back in the morning but the young man at the customer service said who told me that the manager will be there he just talked to him or her the manager will be there in the afternoon.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (GA)

I am unaware of this charge-off. I did not have the opportunity to dispute this charge-off. I did not receive proper notification. If in fact you believe I received proper notification, please provide the certified mail with the receipt and my signature, stating that I received it.