davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$2500.00} This complaint is my follow-up to notify you to verify the listed accounts
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo has ruined my credit score and made it impossible for me to open a checking savings or business credit card. I had a secure credit card. They charged off XXXX in fees that they should not have. I have had issues where there were over 20000 in fraudulent charges when I someone cut my brake line in my truck and stopped me from working at XXXX XXXX
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (NV)

I made a fraud complaint on XX/XX/2022 of {$50.00} it was investigated and approved on XX/XX/2022. I was told to go to my local branch to receive a new card. I went in to the branch and received a new card. I used the card on XX/XX/2022 at XXXX for {$12.00} and the card worked this was at around XXXX. I went to the grocery store at XXXX and my card didnt work. I called Navy Federal Credit Union and they told me that my Debit Card was suspended for 1 year. They never gave me notification that they were going to suspend my card and this left me at such a disadvantage as I had no access to my money. I couldnt purchase food to eat and should an emergency had arisen I had no way of obtaining my money. 
I called and spoke with a supervisor at Navy Federal Credit Union this morning XX/XX/2022 and was told that they placed the suspension upon my Debit Card because I was irresponsible. 
I asked was it because I filed FRAUD? she said yes! I asked had I done anything fraudulent and she said no! Its because Im irresponsible with my Card which allowed the fraud. 
In my defense I have never ever misused my Debit Card. Ive been a member for 7 years at Navy Federal Credit Union and Ive never ever done anything that I wasnt supposed to do as a member. Now they are punishing me because I submitted a FRAUD which we as members our allowed to do. But, Navy Federal Credit Union is punishing me for this by suspending my Debit Card. I also filed a complaint with XXXX prior to going to my bank. 

I have attached supporting documentation. 
What they did was evil and malicious as they did this with out notification which left me helpless and without access to my funds
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (HI)

XX/XX/XXXX : Hilton Honors American Express Card ( HHAEC ) applied for and approved in the amount of {$11000.00} via XXXX XXXX XXXX XXXX ( XXXX ) Update Session*. 

HHAEC closing statement date : XX/XX/XXXX. New Balance : {$10000.00}. Minimum Payment Due XX/XX/XXXX : {$260.00} XX/XX/XXXX : emailed XXXX ( XXXX ), apprised XXXX our bank denied our {$11000.00} loan application, therefore we requested assistance in cancelling our recent XXXX, FL XXXXXXXX timeshare purchase. 

XX/XX/XXXX : XXXX responded our option is to resell this unit at the current resale value of {$3500.00} to {$4000.00}, latter amount was not reasonable. 

1XX/XX/XXXX : Ms. XXXX XXXX, of the Legal Office at XXXX XXXX XXXX XXXX XXXX located on XXXX, HI. Ms XXXX contacted HHAEC  on our behalf to erase our credit card balance because of the fraudulent manner my wife and I obtained the HHAEC and more importantly we are retired and are living on a fixed monthly income. In response, HHAEC reduced our 29.99 %   interest rate down to 18.74 % and also for the month of XX/XX/XXXX gave us Credit Adjustments for Purchase Finance Charges for {$750.00}. 

*XX/XX/XXXX : XXXX Update Session began at XXXX XXXX, ended at XXXX XXXX. It was 5 hour long brutally hard sales pitch by multiple XXXX individuals to my wife and I towards purchasing this XXXX XXXX timeshare. The main salesman, XXXX XXXX XXXX / RS # XXXX / effective : XX/XX/XXXX, Expires : XX/XX/XXXX. We informed Mr. XXXX that we were not in a good financial position to make this purchase at that time and we would need to apply for a loan from our bank. Following 5 hours, Mr. XXXX came up with a proposal that would help us make the down payment for this XXXX. Mr XXXX told us to fill out a HHAEC application, if it comes back approved, we'll have the down payment via the HHAEC. At this point my wife and I just wanted the exit session, our brains were exhausted from the constant sales barrage, so we gave in and agreed to purchase the XXXX timeshare. 

We feel we should be excused from all future payments to HHAEC   because we coerced into applying for this HHAEC by Mr XXXX XXXX   self serving and fraudulent behavior. 

XX/XX/XXXX : Our XXXX XXXX timeshare was recorded foreclosed.
Consumer complaint received 2024-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute with XXXX on XX/XX/2024 regarding a collection account with XXXX XXXX XXXX  which was Deleted from XXXX however it has not been deleted from TransUnion and XXXX. Credit reports are to show maximum accuracy according to FCRA
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (AR)

As I investigated my credit report, I found out that some of the information was erroneous. Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Kindly ensure the accuracy of the account mentioned here in my complain. As a matter of fact I am not agree with this. I demand for your immediate correction and please investigate this unverifiable account : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$16000.00}.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Delete this Charge-off ( XXXX XXXX account XXXX XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on Trans Union, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX.
Consumer complaint received 2022-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit acceptance corporation fraudulently misrepresented the loan that was allegedly financed by the company as a loan to the Buyer when in-fact it was a loan to the Dealership that they have employed unfair and deceptive practices to get the Buyer to pay the Dealership Loan through collections. Credit Acceptance corporation knows that it is a Lender to the Dealership but would have the Buyer believe it weren't so. The alleged amount financed is not True statement under Truth in Lending but rather they only pay 43 % of the alleged amount financed to maximize economic profits. The reason Credit Acceptance Corporation does this is because they only expect to collect 64 % of the alleged amount financed which is nothing more than the loan that they made to the Dealership for the rights to service the contracts.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (UT)

XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt continues to report. This debt is well over the statute of limitations Michigan and are past the credit reporting limit. This is a violation under the FCRA and must be removed.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-06-02
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. (CA)

I called XXXX and let them know they ran my Equifax credit three times on multiple days XXXX, and XXXX. I asked the rep why are they running my credit report multiple times and she arguing with me over the phone saying that they didnt when I have relevant proof. I asked XXXX to remove the multiple inquiries that they saying never received a credit report. I seeking legal action because I shouldnt have to argue with customer service when it is clearly showing on my Equifax credit report.They need to train the staff on how to handle things over the phone.
Consumer complaint received 2023-08-12
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. (MN)

CHARGE OFF IS INCOME THAT HAVE TO BE REPORTED TO THE IRS. 
XXXX XXXX XXXX XXXX has been marked as a CHARGE OFF On my CONSUMER REPORT. 
I want a 1099c sent to me. Any amount Over {$600.00} is TAX FRAUD.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (PA)

I reached out to them back in XXXX and XXXX and basically just brushed off and told that I had to pay it to get it removed. But its not my account to pay I have made several disputes to no avail.
Consumer complaint received 2024-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (FL)

XXXX, Experian and XXXX are violating my rights as a consumer. I had informed them multiple times that I was a victim of fraud and they are reporting information on my credit report that I never authorized or gave them permission to. I've attempted multiple times to get this resolved and they refused to assist me. This has ruined my reputation and has caused XXXX within my life.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have made five payments of {$610.00} since XX/XX/2023 on a loan for {$22000.00} and only 2 payments have been reported and balance shows XXXX
Consumer complaint received 2020-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (NJ)

First Progress Mastercard Each month the bill comes in to be paid, i have been on time with all my monthly payments ... .they are withholding my credit line, to be honest my bank already cleared the funds days ago ... .. 

please help me with this ... ..
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Bureau has failed to provide any documentation as to " proof of verification of information from the creditors '' in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) code 15 U.S.C. 1681.

Every reporting account has filed a WRITE OFF - and has reported it to the credit bureaus.

A write off is a cancellation from an account of a bad debt or worthless asset. Every company has failed to provide the 1099-C filed to accurately report a write off on a credit report. If a write off was reported the amount of the debt in question should reflect as 0.

The amount reported are not accurate and not valid. 
fraudulent accounts have been kept on my report even after providing the FTC reports to said bureaus with remarks that the investigation was done, yet I have not received any proof of documentation for these allegations.
Consumer complaint received 2023-06-19
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: Resurgent Capital Services L.P. (CA)

Amount : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Not my debt and improper reporting and intrinsic fraud
Consumer complaint received 2017-07-27
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. (IA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in/on your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy does NOT include this information and should be deleted from my credit report immediately!
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Delete this Charge-off ( XXXX  account # XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on Trans Union, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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. 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 has violated my rights. 15 U.S.C 1681 section A States i have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It aslo states a consumer reporting agency can not furnish a account without my written instructions .15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years .15 U.S.C.1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Delete this Charge-off ( XXXX XXXX account # XXXX ) for inaccuracy because the date last active show XX/XX/2023 on TransUnion, XX/XX/2023 XXXX XXXX and XX/XX/2023.
Consumer complaint received 2022-11-14
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. (AL)

I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payment on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because this is obviously a billing error, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 

XXXX XXXX Account # : XXXX Balance Owed : {$240.00} Date Opened : XX/XX/202XXXX XXXX XXXX  Account # : XXXX Balance Owed : {$23000.00} Date Opened : XX/XX/2021
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Carter Business Service, Inc. (CT)

I had small balance due to XXXX XXXX XXXX ma from procedure medicare did not completely cover i had set up payment schedule with thwm XXXX XXXX  month which i was paying sometimes week later than date they set but consistentally paying few times {$20.00} due to other payments due other places but never stopped paying before i knew it they turned it over to collection agancy for no valid reason i started paying them with no missed payments and they started calling me on phone wanting full payment of {$43.00} paying them XXXX XXXX month wasnt good enough as planned whole process of being turned over to debt collection was totally unnecessary and to me is form of harrassment by medical agency and further by debt collector not wanting to settle for last few payments deciding to harrass on phone
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (IL)

I did not authorize any of the items on my report. I would like for these item to be removed. I have contacted the credit bureas sent them multiple letters. Can you please help me remove these items.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

This debt is not mine Im seeking full validation of this debt that includes original documentation and or bank statements anything with my signature. I was given a copy of a bill that has no signature no information at all that says it belongs to me there for it is not proper validation of debt.