davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-13
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. (IA)

Transunion is reporting 18 negative accounts from XXXX XXXXXXXX XXXX from XXXX. Those arent being reported on XXXX or XXXX. 
XXXX XXXX XXXX  was closed down and all my loans were consolidated to XXXX. I cant even contact anyone through XXXX XXXX XXXX about this because it no longer exists. 
All the accounts are closed and at XXXX XXXX
Consumer complaint received 2023-06-20
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. (MI)

This is my fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-12
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: AMERICAN EXPRESS COMPANY (IL)

American Express opened a business card for one of my businesses ( XXXX XXXX XXXX ), and waived the personal grantor clauses. This statement was repeated to me on ever phone call. Currently, they have listed the debt on my personal credit. The business is incorporated, it has an XXXX, and a XXXX  XXXX  XXXX account.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (GA)

The Home Depot/Citibank card company is refusing to credit {$500.00} to me after I have completed the dispute process and has notified Home Depot corporation that they refuse to discuss the matter. 
A person, without my authorization purchased tools on my HomeDepot card. The card was reported as missing, cancelled the day after and though this person was not an authorized user, the company refuses to not only credit my account but they refuse to provide a copy of the reciept or video of the thief so I can pursue criminal charges. 
This originally occured on or about XX/XX/2022 and the dispute has been ongoing since that time.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX XXXX XXXX the, natural person, Original Creditor, authorized representative for XXXX XXXX the natural person, am a Federally Protected Consumer, Principal and Authorized Representative for all accounts created by my autograph. I am a victim of many Severe forms of trafficking of a person. The information listed below, which appears on my credit report, is the result of that trafficking. 
__________________________________________________________________ ADVERSE ACCOUNTS TO BE BLOCKED BELOW Design Receivables Cedars XXXX XXXX XXXX Acct : XXXX XXXX -- - Design Receivables Cedars XXXX XXXX XXXX Acct : XXXX XXXX -- - XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX  XXXX XXXX _______________________________________________________. A Final Rule to amend Regulation V at 12 CFR 1022 to add a new subpart at 12 CFR 1022.142 has been issued.

Please BLOCK THIS ADVERSE INFORMATION from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. A Consumer Reporting agency must block adverse information within four business days of receiving the consumers submission 12 CFR 1022.142 ( e ) ( 1 )
Consumer complaint received 2024-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

The company involved is XXXX XXXX XXXX. We used them for cooler and water supply from XXXX, for XXXX business locations : XXXX in XXXX, CA and XXXX in XXXX. I canceled the services altogether in XX/XX/XXXX due to fraudulent billing. I had all my account in XXXX, yet they sent me to Collections with Collections Bureau of America for a debt owed from an account that I was unaware of and did not authorize. 
They also charged me for extra services on my authorized account without my knowledge until recent ( eg. a dulpicate cooler rental for many months ). I spoke with a rep to close the account and asked for credit for the dulpicate cooler charges. They told me it will be credited to my last statement and that they will send the credit back to my credit card. 
However, on top of the disputed duplicate account charges of {$360.00} from the collections agency, XXXX is now billing me continued cooler rental amounting to {$43.00} as of XX/XX/XXXX. 
XXXX repeated attempts to clear this bill, the collections agency as well as XXXX, refuse to drop the unauthorized charges on my account ( XXXX ). 
The collection company has itemized charges for coffee service equipment and water filtration unit which are NOT the services we used XXXX for. We used them for water jug delivery and hot/cool water dispenser rental. 

Here are the accounts in question : XXXX. Account # XXXX ( official account in autopay until XX/XX/XXXX prior to closure ) XXXX. Account # XXXX ( unauthorized account under collection ) with a debt of {$360.00} as of XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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. (CA)

Equifax had yet to correct my credit report. XXXX - XXXX # XXXX is mistakenly reporting a late payment in XX/XX/2022. This is a complete error and needs to be rectified right away. The account was paid off on XX/XX/2022. See proof from the XXXX company and letter from XXXX attached.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a Visa Prepaid Card with Bank of America. There is an incorrect charge on my account of XXXX. I have tried to resolve this with the merchant and even contacted Bank of America while at the restaurant. The person I spoke to informed me the charges were pending and after they posted I could file a dispute. About a week later I contacted Bank of America to file the dispute and they have made it impossible. I spoke to two different people by phone who offered no assistance. This by far has been one of the worst customer service experiences I have ever dealt with.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (KY)

I had an account thru XXXX XXXX for a Gap credit card, someone changed my address and charged XXXX worth of fraudulent charges to my card. I have been in contact with XXXX  since XXXX 2022. They failed to do anything about the charges. They transferred the portfolio to Barclays Bank in XXXX. I have contacted them several times and have been told they cant help me. XXXX and Barclays both say there is they can do to help. Please help me, this is impacting my life. I have always paid my bills on time and take pride in maintaining a great credit score. Thank you.
Consumer complaint received 2018-04-24
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. (FL)

This is a request to investigate the following entities : XXXX, Experian and XXXX  for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and XXXX XXXX, XXXX for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX 's alleged " {$850.00} '' debt reported by XXXX   XXXX to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. XXXX responded by saying that the XXXX 's debt was " reported correctly, '' by XXXX XXXX. 
XXXX XXXX and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/XXXX. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and XXXX XXXX, XXXX have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.
Consumer complaint received 2022-11-03
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. (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 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 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 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX  Account # XXXX
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (GA)

Re-aging an account is a violation of the FCRA ( sec 605 ) XXXX XXXX XXXX, Status Incorrect.
Consumer complaint received 2023-08-13
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: GOLDMAN SACHS BANK USA (CA)

This is not a loan it was for a debt consolidation and they had me paying over {$300.00} and I chose not to use them and told him to close my account and then they put it down as if I got a loan for {$10000.00} And the credit cards on the consolidation were never paid, so what am I paying back {$10000.00} for I made payments to the one thats in at least six months, and nothing was accomplished. They didnt pay off any of my credit cards and and I didnt get any money.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX  XXXX Bankruptcy Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-19
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: EQUIFAX, INC. (MS)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I had some fraudulent activity months ago about a car accident that I never was involved in. 
I contacted my insurance provider Because I was being harrased about owing and paying a debt that was not mine. 
My insurance clear cover said they would handle the matter. Sent them pictures of my vehicle with no damage and emailed all documents and letters I was receiving. 
It is not 6 plus months later and iam receiving calls and letters from CONVERGENT OUTSOURCING INC Stating I owe {$1600.00} but will settle {$560.00}, I do not owe any one anything, I pay all my debts in full. 
I feel like this is some fraudulent attempt to collect a debt that's not mine or had anythi g to do with me. 
Please any help is much appreciated. 
Thank you XXXX XXXX XX/XX/2020
Consumer complaint received 2018-12-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

On or about XX/XX/XXXX my identity was stolen. Pulled credit reports on XX/XX/XXXX and saw Ace Cash Express had done inquiry and after reviewing my XXXX XXXX report saw actual payday loan was opened for {$330.00}. My credit reports had incorrect information including telephone numbers and employer. Filed reports with FTC and law enforcement. Contacted ACE and they would not discuss with me because I said it was a fraudulent account. On XXXX provided them with report from law enforcement, FTC report, proof of employer, and documentation that checking account funds were deposited in was fraudulent and closed by XXXX XXXX. Information was sent via internet several times ( as instructed to XXXX and USPS certified mail. Also provided email address and telephone numbers that were used to open XXXX XXXX accounts, which are also not mine. 

Made several attempts to find out if information received or other information needed. When I call I'm told to send email, send email told to call. At no did I or do I have a business relationship with Ace Cash Express. Further details can be provided upon request.
Consumer complaint received 2018-12-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (PA)

I took out a loan with Wells Fargo Dealer Service on XXXX. My first payment was due on XX/XX/XXXX. This payment was automatically sent from my bank and applied on XX/XX/XXXX to my WFDS loan. Each month my bank would automatically sends out the payment. In XXXX of XXXX I started to send in a Apply To Principal Only Payment by a check that I made out each month along with the automatic payment coming out of my checking account. Everything was fine until XX/XX/XXXX. With this payment they only applied a portion of the principal to the loan and also took interest from the apply to principal only payment. I was able to resolve this issue quickly. 
Payment and extra Principal Payment were applied correctly until XXXX and again they tried to apply my separate principal payment to my monthly payment amount. This has been going on for several months and not getting corrected. I have called several time and have been told it would be taken care of. As of today XXXX it has not been resolved. They continue to apply my extra principal payment to the regular payment and take interest out of the apply to principal payment. I had a very long conversation with a lady named XXXX last night and got nowhere in fact she is telling me I am ahead on my payments. I asked her several times if they could correct the mistake and fix my principal payment. She is telling me if they do this I will be behind on my XXXX payment. This can not be. I have sent in 31 original and 27 apply to principal payment. How can I be behind if I request them to fix their mistake. This is just not acceptable. I want this fixed the proper way and without them telling me I will be behind on the payment. I can't be behind because a payment goes to them automatically each month. I manually send in the Apply To Principal Only payment clearly stated on the check and also the payment slip. THIS NEEDS TO BE FIXED IMMEDIATELY.
Consumer complaint received 2022-12-13
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. (FL)

I am intrested in disputing all unauthorized information on my credit report with Equifax. checking my file ive noticed alot of invalid information. this stopping me from approvals an moving forward. please update all information requested.
Consumer complaint received 2022-09-20
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FC HoldCo LLC (CA)

I got a new car by flagship acceptance financial. It was a loan for XXXX on a car that is XXXX and they have only reported eight months of it when I had it for more than 18 months and on their end they say everything looks great but on the credit report and any credit bureau its not getting reported Since XX/XX/2023 also everything that I have paid till then shows that I only have paid off {$1000.00} of it which the car basically still has a payoff of XXXX I have called I have done dispute, and there is nothing being done about it
Consumer complaint received 2023-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IL)

mr cooper is not looking at what im saying logically i said i never received notice in the form of phone call or email i tried to explain this to them butthey refuse to beleive me i state i never knew i was overdue due to problems on their way of XXXXommunicatimg m overdue thing to me which i stated was not done on their part never called XXXX XXXX me date they called and talked to me which i doubt they can do and copies of email that were read by me
Consumer complaint received 2023-08-13
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. (UT)

I HAVE CONTACTED TRANSUNION AND XXXX AS WELL AS XXXX TO DISPUTE THE FRAUDULENT ACCOUNT LISTING ON MY CONSUMER CREDIT REPORTS AND SENT THE SAID ABOVE COMPANIES THE FTC REPORT IDENTIFYING XXXX XXXX XXXX XXXX  ACCOUNT TO LET THEM KNOW I DID NOT AUTHORIZE THIS ACCOUNT TO OPENED SO FAR I HAVE NOT HAD ANY POSITIVE RESULTS. 
IT'S BEEN OVER 30 DAYS.
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX or about XX/XX/2023 I made a deposit for {$4300.00} a cashiers check cashiers check number XXXX. The funds have been held up for over 10 days this is a cashiers check theres no reason to hold that money on a cashiers check awesome in the deposit on XX/XX/XXXX in the amount of {$6300.00} is a personal check and the funds cleared I have over {$20000.00} at Bank of America is holding up my money and XXXX is an extended hold and based on government regulations and the global conditions that they have to put holes on everybodys checks Ive never bounced any checks Ive never Made fraudulent activity on the account. My funds need to be made available. It is a small business account and that you always say small businesses, backbone of XXXX well why isnt there any help for small businesses? These banks are taking the money home for 10 days Im not getting the interest off that money theres no benefit for me all the benefits in their hands theyre got it over {$20000.00} off of my account. Multiply that by millions of accounts and they hold on to the money and not release the money so small businesses can operate, working capital something must be done. This is fraudulent almost criminal to steal someones money and then politely return it after 10 days of use without any interest.