davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (VA)

TransUnion is not during an investigation they are using non verified records as XXXX XXXX has stated to me the disposition of this case is closed because a Discharge was not applicable in this case because I was granted a XXXX  XXXX discharge in XXXX. And by law you cant be granted another discharge until 8 years. The disposition of the XXXX case was closed without entry. You will find both orders attached to this complaint that I have mailed and sent to CFPB several times in regards to this matter. 
I am filing this complaint because for almost a year I have been filing disputes with TransUnion in regards to the inaccurate information that reporting in my public records, I filed a petition for bankruptcy in XX/XX/XXXX but my potion was denied due to I was just granted a discharge in XXXX and by law they could not give me another, so they denied the discharge and closed the case without a order entry. TransUnion has been harming my credit and going against the law I have spoke with TransUnion Several times in regards to this issue and it was stated to me that the order and certification from the court they were not going to except. I have disputed this issue With XXXX, and XXXX Consumer center the third party agency that they used. XXXX removed this information from my file on XXXX XXXX and they gave confirmation to TransUnion and they ignored the facts. On XXXX XXXX XXXX XXXX XXXX was completing their investigation and they stated to me in an email that yes in fact that they had provided inaccurate information to TransUnion and they were going to make them aware. Now how is it everyone can get this issue corrected but TransUnion. I will be attaching the court order and the certificate document.
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MT)

XX/XX/year> I paid for my insurance coverage for the next billing cycle ( {$230.00} ) ending XX/XX/year>. 
I cancelled my service with them XX/XX/XXXX, XXXX my next billing cycle on XX/XX/year> Received a collection notice several months later for {$110.00}. 
Submitted dispute with copy of cancellation letter, proof of new coverage starting XX/XX/XXXX, and of my payment going through for the final billing cycle. 
Collection agency on behalf of XXXX says it was rejected due to adjustments, but unable to clarify what these were and that I would need to discuss with XXXX. 
Contacted XXXX several times who say I must deal with the collection agency. 
After several back and forth attempts XXXX customer service says they will do a billing history breakdown and history request, and that they have no way of possibly connecting me to the billing department. 
Multiple times they send me an email saying they have looked in to my request, but are unable to reach me over the phone, without any call attempt, and that I must contact customer service again. 
Repeatedly telling me via chat and over phone they can not provide any information on my account due to it being terminated. 
Customer service again says they can not connect me with billing department but must submit another request. 
They say to retry reaching them through chat, phone, and email which as you can see above cant not/will not help. They mentioned reaching out via email, but the email says it is unmonitored and to reach them through chat/phone. 
In the end they are not providing me any breakdown/proof of a debt owned after countless attempts to do so. 
Would like for them to provide this proof or remove my debt from my credit report on the three major credit reporting agencies
Consumer complaint received 2024-10-25
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (FL)

Contacted XXXX to verify if a debt was owed. Customer service representative was given my information to look up my account ; XXXX found no records, and the stated date on the mailed-in letter says DOS ( XXXX of XXXX ) : XX/XX/XXXX. 

I have even asked my supervisor at work if the XXXX had any idea about the debt, and upon checking the letter I handed to him, he pointed out the date of service. That immediately confirmed my suspicion. 

I did not use XXXX for any services prior to XXXX, all of which being pre-employment drug screening ( which, of course, is paid by the employer. ) When attempting to contact the Credit Collection Services ( the debt collector ), they could not verify an unpaid debt and actually hung up the phone on me.
Consumer complaint received 2023-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TX)

Company stated that it would provide a detailed bill in it's response but there was no detailed bill or any other information that will help me identify the debt in question. And they didn't provide the steps that the CFPB asked to do when the complaint was submitted. this violate my consumer rights. I am denied that allegedly bill belong to me and I request to remove this collection from my credit reports immediately.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (MO)

Ive had you have some issues with Cash App several times where there is some transactions made and charged my account. I dispute them and they immediately denied My Disputes, for instance, one of the what size did not exist, or do not have a customer support, so there was no way I can contact him to get reimbursed.those places they were charging my account Were trying to charge different amount and a period of 3 to 5 days and they finally got an amount when I realize it. I reported to cash app, I reported my debit card lost, because they denied my disputes immediately, I never have gotten the money back and then just keep happening. Just happened with different vendors. I have pictures of the charges service Some charges I have immediate cancelled subscription and they denied refunding even when was cancelled the same day.
Consumer complaint received 2023-05-15
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. (IN)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and I have found the following items listed to be in error. Pursuant to 15USC1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave you, XXXX XXXX, XXXX, Experian, or XXXX, any written instruction to furnish any information on my consumer report which is a violation of 15USC1681b. 

Your agencies have caused severe stress and XXXX  due to the abusive and unfair practices.
Consumer complaint received 2023-05-15
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: CrossCountry Mortgage LLC (IL)

I noticed that my XXXX credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is XXXXCROSSCOUNTRY MORTGA on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.
Consumer complaint received 2023-05-15
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. (FL)

On XX/XX/2023, I gave XXXX XXXX XXXX permission to run a credit report in order for me to finance a used vehicle. 

On XX/XX/2023, XXXX XXXX XXXX made XXXX unauthorized hard inquires to bank to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  apparently to get me a better rate.
Consumer complaint received 2020-08-16
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. (VA)

XXXX XXXX reporting a closed account Closed account with balance and past due balance with monthly payment showing not to mention its different Account numbers with different truncations showing across multiple bureaus. 


XXXX XXXX XXXX If I didn't believe in mistakes I might have thought they were misreporting this account on purpose but I have numerous open and closed accounts with XXXX XXXX all in good standing so I know its a minor mishap in there part.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have disputed XXXX XXXX XXXX XXXX # XXXX .... because it does not belong to me. Experian claims they verified this information to be correct and because of that they locked me out where I can continue to dispute this account online. I would be impossible to verify this account because it does not belong to me. I called XXXX XXXX XXXX XXXX and they have no record of me. Please remove this account
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AR)

To Clarity Services : I have sent a certified letter informing you that the information you have on my credit file is inaccurate ; I have yet to get a response and I have disputed this information back on XX/XX/XXXX, it is now XX/XX/XXXX and you have not updated my file. 
Reference # XXXX Home Address : The only address for me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( Never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( never lived there- that is a business address Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my XXXX XXXX XXXX Please delete XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not mine ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX A XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not my address ) Cell Phone & Home & Work Phone Numbers : Please delete XXXX, XXXX, XXXX ( not my numbers ) Please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ... ..Not my work numbers Personal Name : ( Personal Information ) My name is XXXX XXXX XXXX 
Please delete XXXX XXXX XXXX Date Of Birth : ( Personal Information ) My date of birth is XX/XX/XXXX Please delete XX/XX/XXXX, and XX/XX/XXXX those are not my dob.

Driverls License Number and State : Please delete XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( those are not my license numbers ) Email Addresses : My email is XXXX & XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX Please delete XXXX XXXX Information : Please delete the following because I've never worked for any of them : Please delete XXXX XXXX XXXX  ( never worked there ) Please delete XXXX XXXX and XXXX ( Never worked there ) Please delete XXXX XXXX ( Never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete XXXX XXXX ( never worked there ) Please delete Retirement/Pension ( never worked there ) XXXX XXXX XXXX XXXX  ( never worked there ) XXXX XXXX XXXX ( never worked there ) Banking Information : Please Delete The Following Bank Routing XXXX, Acct XXXX Bank Plus, not my account Routing XXXX, Acct XXXX XXXX XXXX XXXX XXXX not my account Routing XXXX, Acct XXXX XXXX XXXX , not my account Routing XXXX, Acct XXXX XXXX XXXX XXXX XXXX, not my account Routing XXXX, Acct XXXX XXXX XXXX , not my account
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

XXXX accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XX/XX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the XXXX states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.
Consumer complaint received 2017-04-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (IL)

Hello, I wrote a check in the amount of {$100.00} and PNC is saying that I did not have the amount in my account to cover it. However, the check should have posted on XX/XX/2017. PNC purposely over drafted my account and refuses to put the funds back. My account is never negative and I have been negative in the past. It is my understanding that as long as funds are added by XXXX I will be ok. Please do not trust PNC bank. They will take your hard earned money.
Consumer complaint received 2024-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On date XX/XX/year> I received a wire, on history payment, is saying XXXX $ yes there is a fee of XXXX $ that appear on history payment but still there are some money took from me without me knowing why and because of lack of transparency I am not able to know even who took that money from me.
Consumer complaint received 2024-11-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MS)

XX/XX/year> I applied for credit ( via Rooms to Go for a sofa ) with Syncrony Bank XXXX. I was denied and waited to be notified why there was a denial since my credit is excellent. When the notification didn't come, I contacted them on 3 different occasions after that regarding the issue, but I still did not receive the information. 

XX/XX/year> I called and talked to XXXX w/ Syncrony Bank , said he would mail me a letter and I would get it within 7 business days. ( THIS NEVER HAPPENED ) XX/XX/year> I called and talked to XXXX who said she resend the letter with the reason the credit was declined and to allow 7 to 10 business days. She a gain confirmed my mailing address. ( THIS NEVER HAPPENED ) XX/XX/year> I called and talked to XXXX XXXX ( Manager ) who said she will resend ( for the 3rd time ) the letter I should receive. 
She will also escalate the issue to higher ups and also will call me to discuss it once she gets and response. She also said Id receive an email in 24 to 48 hrs ( THIS NEVER HAPPENED ) XX/XX/year> I called and talked to XXXX, before he transferred me to a manager, they checked with TransUnsion before denying my credit- I talked to XXXX who verified my address again and said he would send me out the letter. I asked to talk to his manager and he said hed get another manager on the line that there were no 2nd layer managers there - I talked to XXXX ( another manager ) said shed look into this and email me. 
She actually did what she said she would do but did not help me and referred me to a department within their bank that had no phone lines. She told me to mail a letter to Synchrony, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I DID THIS, BUT DON'T EXPECT TO GET ANY HELP FROM THEM.
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

Jefferson Capital appeared as on my reports today. XXXX XXXX was reported back in 2021 as a Fraud account and removed from my credit reports. Today Jefferson Capital placed a collection on my reports which lowered my score XXXX points. I owe no collections and my reports are perfect. This account is Fraudulent as reported in 2021. Jefferson Capital has 5 days to remove this from my credit bureau reports or I will file civil action for collecting a debit not owed and that has been previously reported as fraudulent. 

It is a Violation of Fair Debt collection practice act to collect on a debt that has been previously reported as fraudulent.
Consumer complaint received 2023-05-15
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. (PA)

I am writing to file a formal complaint against Trans Union regarding their failure to remove false information from my credit report. As a concerned consumer, I believe that Trans Union has violated my rights by inaccurately reporting information that has negatively impacted my financial standing. 

I first discovered the false information on [ date ] when I obtained a copy of my credit report. To my surprise, Trans Union had included [ specific details of false information, such as inaccurate account balances or unauthorized accounts ]. These errors have tarnished my creditworthiness, causing significant distress and hindering my ability to secure favorable financial opportunities. 

I promptly took action by disputing the incorrect information with Trans Union, providing all the necessary supporting documentation to prove the inaccuracies. However, despite my repeated attempts, Trans Union has failed to take any corrective measures or provide a satisfactory resolution. Their lack of response and inaction have not only prolonged the damage caused but have also left me feeling helpless and frustrated. 

It is disheartening to realize that a credit reporting agency like Trans Union, which holds significant responsibility in safeguarding consumers ' creditworthiness, has neglected its duty to ensure accurate reporting. The false information has affected my ability to obtain loans, credit cards, and even housing opportunities. I firmly believe that Trans Union 's negligence and failure to rectify this situation are in violation of the Fair Credit Reporting Act ( FCRA ) and the rights bestowed upon me as a consumer. 

I kindly request that the XXXX XXXX XXXX  intervene and facilitate a resolution to this matter. I am seeking immediate action from Trans Union to remove the false information from my credit report, as well as an apology for the inconvenience caused and compensation for the damages endured. 

Enclosed with this complaint, please find copies of all relevant documents, including correspondence with Trans Union, credit report discrepancies, and any additional evidence that supports my claim. I trust that the XXXX will thoroughly investigate this matter and work diligently to ensure a fair resolution. 

I appreciate your attention to this urgent matter and look forward to a prompt response. Please feel free to contact me if you require any further information or clarification.