davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC (NV)

in XXXX my purse was stolen and I filed a police report. Also, I was a victim of the XXXX XXXX XXXX the same year. In XX/XX/XXXX, I went to XXXX and attempted to purchase my items with my checking account. XXXX denied my check. I called telecheck and they told me they had someone with a simillar Drivers License number that had debt on their file that was linked to my XXXX Report. I immediately Disputed the transactions, as they were not mine and that XXXX needs to put them on the other persons XXXX Report and Remove the negativity from mine. I awaited 45 days while they investigated the dispute and I submitted my bank statements, my ID cards, A handwriitten dispute form, a voided check, and the receipt I got at XXXX showing my check was denied by XXXX, my XXXX Report with the items I was Disputing circled, the police report i filed about my purse being stolen and an ftc report I filed about Identity Theft for the XXXX XXXX breach. 
I sent all these documents into telecheck. I WON THE DISPUTE. They sent me a letter in the mail telling me they removed the negative things from my file. a month later Im in XXXX and attempt to write a check- XXXX Denies it. I call XXXX and they tell me I need to wait another 30 days for the XXXX system to reset itself. 2 months later Im at XXXX, attempt to write a check, XXXX still denies it. I call XXXX and Im told theres NEW debt on my account from someone else with a simillar drivers license number. The XXXX operator tells me I have to put in a new dispute and wait another 45 days. So I do. And 4 months later I am at XXXX  XXXX and I write a check- XXXX denies it. I call XXXX and they tell me the amount of the check im writing is " to much '' its " above my normal check writing amount '' so the telecheck system wont approve my check. So i write one for a smaller amount- and still denied. So I submitted another dispute. On XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have had to dispute again and again the same problem with XXXX XXXX XXXX  HAS NOT APPROVED ONE SINGLE CHECK Ive attempted to write since XX/XX/XXXX. two and a half years they have refused my checks and ive disputed and won the dispute only for them to do nothing to clear my XXXX file or allow me to write my own checks. They even have someone elses bank account listed as my account and they wont take it off. I am so tired of being embarrassed to go shopping and forget my debit card or have to write a check and then put all my stuff back because XXXX denies the payment. Im a victim and Embarrassment and Humility everytime for someone elses debt.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (ME)

Citi Bank..I took out a XXXX XXXX..Citi XXXX  Plan XXXX thinking that when they reported my loan to credit reporting agencies that it would raise my credit score..Low and behold they told me afterwards that they do no report loans to credit reporting agencies..My XXXX XXXX was $ XXXX 10.99 % there was also a special purchase which when I called customer service and told them that I was going to pay off the higher interest rate charge, I was told that the balance was $ XXXX.I made a balance transfer to my XXXXXXXX XXXX and Citi Bank received the money on XXXX XXXX.Now their " rules '' are, any payment made with this balance transfer will go to the higher interest charge which is my standard purchase that 0 % ended on XX/XX/XXXX and thats why I did a balace transfer..I see that they want a payment of {$100.00} on XX/XX/XXXX. I called XXXX customer service to say that everything was paid off in charges with the balance transfer and that my XXXX XXXX payment is {$66.00} per month and thats what I'm paying in XXXX ... WRONG!! i have paperwork stating that the higher interest charge gets paid off first ... Well she says, its going to take up to five business days to correct the error and in the meantime that I need to pay the {$100.00}, I said I will not because Citi Bank made the error and all I owe is my XXXX  XXXX ... I cant stand Citi Bank and cant wait to cut up the card..Not reporting my loan to credit agencies and then after several calls to customer service to find out the PAY OFF for standand purchase, was verified at {$270.00} which was confirmed on XX/XX/XXXX ... I have an email from Citi Bank stating that a payment was made to my account on XX/XX/XXXX, they posted it to the wrong account!!! So therfore my XX/XX/XXXX statement is incorrect..Payment in XXXX will be a {$66.00} XXXX XXXX  payment... 
Remaining Balance $ XXXX Monthly Payment {$66.00} Remaining Payments 22 A {$270.00} payment posted to the account on XXXX XXXX XXXX  per Citi Bank email. 
Please let consumers know that they hire people in other countries to answer customer service calls. I called one afternoon and spoke to XXXX, I asked him where are you speaking to me from... He said XXXX and that he had just clocked on to work and it was XXXX in the morning in XXXX XXXX I spoke to XXXX on XX/XX/XXXX at XXXX and he verified the balance transfer, I requested that he send me an email stating that I only owe XXXX XXXX he never followed through like he said he would. I called on XX/XX/XXXX at XXXX EST to XXXX on the phone and on hold for over 25 minutes trying to resolve once again an issue with Citi Bank and their customer service obviously no taking notes as to my numerous call about this balance transfer ... BAD company
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings (LA)

They called my nephew XXXX XXXX. They disclosed my personal information associated with my credit report and read him personal emails. The email was sent prior to the maintenance man doing a XXXX XXXX. He was told if he dont pay they were going to take further action. In addition, they did not disclose the management team was notified due to maintenance man touched me inappropriately while pregnant. I advised them, the apartment complex, of the issue and never resolved. Now they have turned over to third party to whom are disclosing my personal credit information to someone else!!!!!
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As I have not heard back from TransUnion in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/2016 the department of education wrote a letter to XXXX XXXX of there finding and there accreditation was lost .A as of XX/XX/2016 the school was closed. Loans were placed in my name without my knowledge I was mislead about graduation rates, job placement, student refund checks were never issued. Individuals financial aid office clearly took advantage of me as well of other students here ...
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (AL)

I called Equifax to dispute these derogatory items that are reporting on my credit report and I was unsuccessful. I spoke to someone by the name of XXXX and she said that she would schedule a call with management and the issues would be resolved. I never got the call and there are still items on my credit report that are illegally reporting.
Consumer complaint received 2023-02-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I have been reporting this account since I've become aware of it. I don't have any other information except that I was put on the account as a cosigner. My husband XXXX XXXX XXXX ) who is now deceased, left me and became erratic and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2018. I had found out in late 2018 that it included putting several credit cards in my name and somehow having someone cosign my name to a vehicle that was repossessed several months after getting it and now the companies are holding me liable for the payoffs. I have been having trouble to prove my innocence due to him not being alive, lack of knowledge of the chain of events and accounts.I don't have documents to attach because I don't know anything about these accounts except what the collection agencies have sent me. If a death certificate is necessary, I will attach that.
Consumer complaint received 2021-01-13
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. (GA)

Dear ..., Please help because I figured out in my credit report accounts that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile or changing whatever they want. Well, by this message I would like to let you know that I do not recognize these accounts and I have never given any permission to any company to do something like this- ITS IDENTITY THEFT for sure. So please remove all of them as I can not move on in my life when I have unknown information in my credit report. 

Thank you! 
XXXX
Consumer complaint received 2020-03-10
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: CITIBANK, N.A. (NV)

I have made repeated attempts with Macys Credit Card Services at having the balance removed from my account as all the purchase were made by a third-party. Macys Credit Card Services repeatedly told me that the balances would be removed and transferred over to the third party but to this day it has not. Numerous telephone calls were made with Macys Credit Card services, the third party and myself to rectify the matter to no avail. Third party acknowledged repeatedly that all charges were his and to remove them from my account and add to his. Macys Credit Card services stated that I had over paid my account by {$1600.00}.
Consumer complaint received 2023-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2021-01-13
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. (NC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-13
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: TRUIST FINANCIAL CORPORATION (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, SHEFFIELD FINANCIAL add a hard inquiry on my credit report per XXXX.

On XX/XX/2019, XXXX XXXX, I add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX - XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-03-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MT)

On or about XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC making an allegation that I owed {$520.00} to the original creditor. " XXXX XXXX ''. PRA sates that they purchased the alleged debt from " XXXX  '' on XX/XX/XXXX. I've never heard of or from XXXX  in the past regarding this alleged debt and when I tried contacting them ( XXXX ) I spoke to one of their representatives ( didn't want to give me his name ) and informed me that they are no longer " XXXX  '' and that " many '' years ago they separated from " XXXX '' and now go by the name of " XXXX XXXX XXXX ''. I wrote a letter to PRA requesting validation of debt and the authorization they have to collect this alleged debt dated XX/XX/XXXX and as of todays date PRA has not provided me the information I requested. PRA is knowingly violating the FCRA & trying to collect an alleged debt that has passed the " statue of limitation '' in the state of Montana which is 8 years. PRA actions of not providing me the required validation of debt & trying to collect on an alleged debt that they know has passed the " statue of limitation '' bring into question the integrity of their business practice but unfortunately for them as a victim of identity theft I've become a well informed consumer and know my rights.
Consumer complaint received 2021-01-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have spoken with this company on four separate recorded calls. This is in regard to two separate credit accounts that were posted to my credit. These accounts were secured deposit accounts which required sums of money to be deposited to have the credit accounts. I have asked on all of the occasions for the creditor to provide those sums and how the balances are showing as they are. No documentation can be provided to show the deposits and or the current balances or how the accrued. The last recorded conversation it was stated that they were disputing these on their end yet these all show again on the credit report just as they were. I have advised multiple times that a deposit of XXXX and one of XXXX was taken. these accounts were placed on hold with the original creditor, somehow they ended up in another company 's collection, It had been stated by the collections that i did not have insurance and therefore they did not have to place them on hold. Where are my deposits?
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I requested my annual consumer report from trans union through the annual credit report agency. Trans union received my request but has refused to send me my report. All requested information was sent by certified mail which they received. They claim they cant honest my request because they think it wasnt me. I sent a copy of my drivers license and a utility bill. The information they responded is attached. Transunion is refusing to send my consumer report.
Consumer complaint received 2023-02-06
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-10
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. (UT)

XXXX # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.
Consumer complaint received 2021-01-13
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: Experian Information Solutions Inc. (NY)

NO THROUGH REVESTINGTON HAS BEEN DONE IN THIS MATTER.I HAVE PROVIDED COURTS DOCUMENTS AND COUNTY RECORDS TO HAVE THE MATTER RESLOVED.SEVERAL TIMES WITH NO RESPONSE.
Consumer complaint received 2019-12-05
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (IN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2020-03-10
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)

XXXX # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.