davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off 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 XXXXXX/XX/year>
Consumer complaint received 2024-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (WI)

Milestone XXXX XXXX XXXX XXXX XXXX Concord  keep on sending me pre-approved applications after I've been approved. They run credit checks right shortly after which affects the credit report in which seen three times on my credit report after waiting shortly then been advised. Been advised shortly I've been denied I wan na know is Concord XXXX XXXX milestone is this a legit company due to preapproval applications and being advised that I was approved for {$1000.00} this has happened numerous times and which is not fair
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NJ)

Company in Violation of this XXXX Account # XXXX Charge of accounts are considered, certificates of indebtedness, pursuant to I.R.S publication XXXX and it is now considered income and income can not be reporting on my consumer credit report, pursuant to Privacy act of 1974. 
The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act 's main goals are to balance the government 's need for information with the rights of individuals to privacy. 
The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual 's record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records. 

IRS Publication 4681 Canceled debt : If the abandoned property secures a debt for which you are personally liable and the debt is canceled, you will realize ordinary income equal to the canceled debt. This income is separate from any amount realized from abandonment of the property. You must report this income on your return unless XXXX of the exceptions or exclusions described in chapter XXXX applies.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: VYSTAR CREDIT UNION (FL)

Vystar Credit Union sent a letter stating that they wanted access to my accounts, in case I fell behind, so that they could pay on my credit card account. They gave the option to reject this authorization, but if I was 60 days past due I could not. It stated that new transaction would not be authorized. 
I had no balance on the card and I was in good standing, and had always been, with Vystar Credit Union. I choose to revoke the authorization, in XX/XX/year>. In XXXX, I got a notice that my credit score had gone down and it showed that the account was closed. When I to a branch, I was told that the account was cloosed immediately. I was not notified that the account was closed nor that it would negatively impact my credit score. 
In XXXX and XXXX, I received an email stating that visa alerts would no longer be available for this same card. " Thank you for using Visa Purchase Alerts. Your financial institution now offers their own transaction alerts service, and your Visa card ending in XXXX is no longer eligible for Visa Purchase Alerts. Please contact your financial institution to enroll in their transaction alerts service. '' If they cancelled the card, why am I getting these emails? 
This was not handled properly and they made no effort to fix it. I should have been properly advised, in fact the account should not have been closed.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I submitted a dispute to Experian Credit Bureau on XX/XX/year> disputing a lot of incorrect personal and credit card balance information they had on file. From XX/XX/year> until XX/XX/XXXX, the Credit Bureau has been correcting all information and closing my disputes. So I checked my credit report on XXXX XXXX and it shows a statement of " Several late payments by an unknown source '' which was not there before. I can find no way on their dispute section to find out where this new information was obtained in order to dispute it. In addition, on XXXX and XXXX sites, the " Several late payments by an unknown source '' is not listed anywhere on my credit reports. In addition, my credit source on Experian is at least XXXX points lower than the other 2 credit reporting agencies, so I believe they keep your scores low in order to sell their " Experian Boost '' products. This low and inaccurate reporting prevents consumers from getting a fair product based off their credit scores. I need someone to look into this issue, because writing Experian a letter does not guarantee that they will acknowledge receipt and then there's no remedy to correct your issues.
Consumer complaint received 2024-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Merchants Automotive Group LLC (MA)

-Seller went under ( bankrupt ) and never received documentation. 
-The lien holder, XXXX XXXX XXXX XXXX was completing fraud moves such as, not providing a W-9 to get paid by my crisis worker, repossessing my car on private property, harassment ( calling my sister and father ), not helping with {$10000.00} worth of damage, refusing default to cure. 
-committed title fraud by selling my car to XXXX owners with a contract still valid and title still active. 
-Carfax said the car was in an accident when there was evidence by the XXXX. 
-The title was changed XX/XX/year> ( yesterday ), after XXXX owners. 
-The lien holder made an insurance policy in my name and I paid the deductible. 
-I warned XXXX about discrepancies and the safety risk but no one listened. 
-There is odometer fraud all over the place. 
-Car is worth {$2500.00} and sold for {$8900.00} at auction. 
-Car was not worked on based on review. 
-My file was in a box with a check but now they are saying I do not get money back. 
-They want XXXX people to pay for the full car. My contract is null. Now it is the owner 's loan and I should receive my money back, compensation for my belongings, reimbursement for my insurance, XXXX, and gap insurance, and pain and suffering for selling me a lemon ( knowing all the damage ) and not getting much time. I missed doctors appointments, parties, gatherings, etc. 
-It went into XXXXXXXX XXXX many times and insurance was barely covered but paid {$900.00}. 
-Lien holder was so rude and didn't care about calling my family. 
They refused to send me documents that they claim they did but would be held at the post office. 
-They claim they don't need to tell me about throwing away my belongings but I called and they didn't know where my car is. The next time, my car had nothing in it. I lost my XXXXXXXX XXXX  {$3500.00} wedding ring ( all I have of her. ) I am moving so I had a lot of stuff. I have witnesses who were helping me. 
-went through the dark web to get into the USPS database. 
-There is probably more but I can't think of it
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

This new collection account is being collected from a previously removed debt for a balance I do not owe and disputed. I disputed this debt prior to the collection agency reporting it to my credit and requested validation. They did not provide validation and reported it to my credit. Now this new agency that has invalid and incorrect info on me is collecting it.spoke with representative today that validate an old address as the address that they were contacting me at. Which I havent been at that address in almost 4years. I do not owe this debt I have disputed it since being contacted by the original creditor and have maintained zero responsibility of the debt since day one. This item was removed from my credit previously and should be removed and remain off my credit as I am not responsible for the debt as there was never any exchange of goods or services. This collection agency is also collecting on a debt that is also being handled by an attorney based on the previous agency so the debt is being collected on and handled by multiple parties
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am requesting a re-investigation of the following data that appears on my credit report. On XX/XX/XXXX, your company responded and stated that the data which appears below is verifiable and therefore can not be deleted. At this time, I ask that you provide all supporting documentation and information on how you arrived at that conclusion. This is my request and right under FCRA 611.

Please reply within the time limits as stated by the FCRA or delete the data which appears on my credit report. 
XXXX XXXX Account numberXXXX XXXX  XXXX Account number : XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and hard inquiries are fraudulent and due to identity theft, which is shown in my FTC report. I have enclosed the following documentation to support this request : FTC Report, CFPB Complaint, Drivers License, Birth Certificate Thank you for your time. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I traveled to XXXX XXXX on XX/XX/XXXX to celebrate my birthday. On XXXX  XX/XX/XXXX, I took a taxi cab from XXXX castle in XXXX XXXX back to my hotel ( The XXXX ). I only opted for a cab because I was having connection troubles with my phone service so I could not access my XXXX app. Once we arrived at the hotel, the meter reading was for XXXX pesos. The driver brought out a blue machine for me pay with. I swiped my card the first time, he told me to try again as the card did not go through. I swiped the second time, it went through, I got out, he drove off and I went inside my hotel. I checked my email, I received a notice from Capital one stating that a charge for {$1100.00} was denied due to low funds. I immediately logged into my account, I noticed the denied charge, I also saw a pending charge for {$280.00} all from the same merchant. I contacted my bank immediately and told them everything all within a span of XXXX hours of this fraud. I was told there was nothing they could do since the charge was still pending. I would have to wait until the charge was posted before they can file a claim. I was advised that the charge would post on XXXX. I called again and filed the claim, I was told that my case would be escalated and a provisional credit would be applied to my account. Neither was done. I followed up almost everyday, spoke with managers, each time I was giving a different information pertaining to my claim. Today ( XX/XX/XXXX ), I called to follow up and I was told that my claim was denied. They refused to give me back my money even though my transaction history corroborates activities of fraud from this cab driver disguised under XXXX XXXX. The bank is asking for documents that I do not have, I already spoke with a rep advising her that this was an unauthorized charge. There is more than enough prove in my transaction history to get my money back but my bank refuses to acknowledge or refund. I don't know what else to do
Consumer complaint received 2024-08-14
Product: Credit reporting 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. (PR)

This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately.

Please remove it from my credit report or Im seeking litigation please delete. 

I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX- Transunion Date of inquiry : XX/XX/XXXXXXXX  I demand the following fraudulent Inquiries deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX- Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX Transunion Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXX I demand the following fraudulent Inquiries be deleted from my credit report immediately. 
Bank Name : XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I demand the following fraudulent inquiries be deleted from my credit report immediately. 
Bank name : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I was charged {$350.00} in over drafts fees for a period of 30 days. Its not possible to withdraw money from the account and atm if there is a negative balance. The wells Fargo bank took all or any cash deposits I attempted and made in XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. My last deposits was {$1100.00} and I was charged {$750.00} in over draft fees. I was trying to bring my account current when I was wrongfully charged {$700.00} in overdraft fees. Wells Fargo bank took my money and any money I had in my account I was not able to withdraw the money when it was available in XX/XX/year>. Wells Fargo put a hold on my account for more than 30 days withdrew my money in XX/XX/year> and shortly after my account was closed in XX/XX/year>. The bank refused to give me my money or an explanation as to why they were closing my account without allowing me to get my money from the bank.
Consumer complaint received 2022-12-05
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. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-09-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HEARTLAND PAYMENT SYSTEMS INC (FL)

This loan is 30+ years old ( XXXX ), is defaulted, and this servicer continues to report the loan as paid on time & never late when I have NEVER made a payment on it. This loan was included in a bankruptcy 20+ years ago. When this loan was with a collection agency I paid it off at a discounted amount and was agreed to be removed and shown as paid on time and never late. Now they want more $ $ XXXX 
The balance is incorrect ( {$570.00} vs. {$1000.00} ) and continues to remain on all three credit bureaus because theyre lying about payments being made every month. 
REMOVE THIS BEFORE LITIGATION STARTS.
Consumer complaint received 2022-12-05
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. (FL)

My name XXXX 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 2022-12-05
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. (NY)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX  XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$17000.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$17000.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX  XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} NXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00}
Consumer complaint received 2024-08-10
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

I have an XXXX store card through synchrony. When I logged in to pay the bill in XXXX it said minimum payment due was {$66.00}. I made to payments for a total of {$67.00}. I was hit with a {$40.00} late fee because they said I had a {$27.00} balance still due. I explained to them that I paid the minimum due according to their website. They told me I should've paid the minimum due according to my statement. When they send the email, it says the same in the email as it is on the website in regard to balance due. I've contacted them twice on this matter. They have blocked my card until I make the payment for this pay cycle due on the XXXX of XXXX. How is this fair business practice when I paid what was due and still accumulate fees based on the reporting of their website, email, and system.
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MD)

American profit recovery reached out to me and told me that I owed a debt I made arrangements to pay the debt on XX/XX/XXXX of 2024. I didnt asked him for a receipt. They sent me a piece of paper stating that we value your business as a customer nothing shows a actual receipt to prove that I paid the only receipt that I have is a bank statement saying that I paid American profit recovery the amount that was owed they reported to my credit bureau that I still owe the debt and I contacted their office again asked them why they reported false information. They hung up on me and reported it again to the credit bureau that I still owe the debts, they hindering my rights as a consumer to apply for a home because theyre providing false information to the credit bureaus