davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (WA)

Received a letter dated XX/XX/XXXX demanding payment of {$3500.00} for a fraudulent debt. Claimed we owed for XX/XX/XXXX rent when we were moved out by end of XX/XX/XXXX. 

Timeline of our communications XX/XX/XXXX I asked for proof of debt XX/XX/XXXX I spoke to someone who tried to explain verbally but he didn't understand what the charge was for either. Said he would get back to me XX/XX/XXXX I spoke by phone again but they still couldn't explain the charge XX/XX/XXXX spoke again. Finally told it was for XX/XX/XXXX rent but couldn't explain why being charged XX/XX/XXXX spoke again and was told we didn't give enough notice. Emailed collector proof of proper move-out notice XX/XX/XXXX spoke again and now told it was because we didn't return the keys in time XX/XX/XXXX I demanded further documentation : explanation of charge and why reason was changed, where in the contract does it say we're charged for late return of key and proof we returned the key late XX/XX/XXXX collector said they would not email proof and would only speak on the phone. Transferred me to manager who then hung up on me. Called back, transferred again, hung up again XX/XX/XXXX called someone else at the collector. Again asked for written proof, put on hold for 10 minutes, informed it was for late notice, refused to provide any further information, hung up on me XX/XX/XXXX emailed again demanding proof of the debt. Collector responded with the invoice and a copy of the contract. No indication of which clause was broken or documentation that the clause was broken XX/XX/XXXX collector advised me to call a different manager. Left several messages XX/XX/XXXX collector called, I said I was not paying the debt, their client did not provide any documentation supporting the invoice. They responded my account was now " eligible '' to be reported to the credit bureaus
Consumer complaint received 2021-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

I received repeated calls from Aargon Agency regarding a debt due XXXX XXXX Hospital. The debt was paid directly to the hospital. I even provided a receipt to them from the hospital but they refuse to update my credit information that the debt has been paid.
Consumer complaint received 2021-07-28
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)

I have numerous of unauthorized inquiries on my TransUnion credit report. I sent letters to Transunion dated, XXXX XXXX XX/XX/2021, and XX/XX/2021. I NEVER received a reply to any of the letters. I contacted TransUnion on XX/XX/2021 and spoke with XXXX XXXX, Supervisor in special handling, who advised she does not see any of my letters. I confirmed the addresses I mailed them to, she advised the address was not the issue. She advised if they feel a letter is from a credit repair agency they will not process them. Well, I explained to her I AM NOT a credit repair agency I am my self and I have unauthorized inquiries on my credit report and they are refusing to reply to me. She advised there is nothing she can do because they deem they don't have to. I truly think that's against my consumer rights. How can you just choose not to process my request. From my understanding accourding to consumer laws they have 30-45 days to respond to me and they have yet to respond
Consumer complaint received 2019-12-14
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. (CA)

Transunion is not reporting correctly again. They just changed my account for XXXX XXXX to 30 days past due XX/XX/XXXX and XX/XX/XXXX and both of those payments were correct. I have all information documented with payments and amounts. I filed a complaint and dispute about XX/XX/XXXX and XX/XX/XXXX and then Transunion responded from XXXX dates which was not even in question and fixed last year. 

The only past 30 from XXXX XXXX was XX/XX/XXXX payment. Which was paid and XXXX and XXXX were on time and account current then which I have given specific proof on. So instead of deleting the XX/XX/XXXX past 30 days they changed and made XX/XX/XXXX and XX/XX/XXXX as current but then posted that XX/XX/XXXX and XX/XX/XXXX payment past 30 days which were not at all. I spoke with XXXX XXXX at XXXX XXXX and transunion and XXXX XXXX need to be held accountable for incorrect reporting which just dropped my score 22 pts and is FALSE REPORTING I am getting sick of XXXX and Transunion not fixing the issue. I have zero other past dues on anything on my credit report and have had so many issues with Transunion not fixing and wasting my time. I will seeking legal action if not fixed in next 20 days to correct and Current for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and they also report incorrect balance and loan is current for XXXX XXXX payment due which I have paid online already/
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX continues to apply unauthorized charges to my CapitalOne ctedit card. 
Contacted them several times : last contact was XX/XX/XXXX - I was told automatic billing error : ref # XXXX - informed me to change my credit card - stated they could not stop charges. 

Disputed charges to CapitalOne XXXX credit card multiple times from XX/XX/2021 - XX/XX/2021. 
CapitalOne filed fraudlent charges and I had to change my card number two times and working on three. case # XXXX XXXX XXXX XXXX - charges were to be blocked without any success.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been working on fixing my credit score being wrong almost two years having wrong information appear, disappear & reappear?! 
I put security alert & freeze & XXXX XXXX opened two accounts in my name? I have XXXX  & i was not protected! 
I began by using transUnion who is removing the negative after Sending them a copy of FTCs letter deeming me a victim along with everything listed on FTCs Recovery Steps! 
On Friday XXXX after getting redirected until XXXX XXXX XXXX, - I began at XXXX XXXX - XXXX, the department connectected me to internet help & specialized Deparemt who tried to swindle me out of {$25.00} telling me I dont have an account & it will cost money to get an account! When I said that doesnt sound right and no, she told me, this is a prank caller so im hanging up ..! A worker in the online specialized department for TransUnion Is Directly part of the our global problem of fraud represent TransUniin!?
Consumer complaint received 2021-07-28
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)

On XX/XX/XXXX i check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I placed a freeze on my report in XXXX  with XXXX. I was assured no new accounts could be opened in my name. Instead they allowed a closed account to be reopened and information updated that was previously reported as closed from five years ago.

In regards to both XXXX  and Experian when I submit a dispute sometimes they rule in my favor and remove the account sometimes they don’t but will not provide proof that accounts belong to me instead have requested I file a police report and submit proof that they don’t belong to me. If they cannot provide proof and refuse to show proof that the account is mine the account should be removed. Instead they allow companies to state a person owes them money without any proof and even if it is disputed and removed they allow the debt collection companies to resell consumers private information that can’t even be verified as there’s only to allow the debt collection company to put a new account on a report. There solution is to freeze a consumers credit report but this prevents a consumer from using credit at all.
Consumer complaint received 2019-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC (NJ)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.
Consumer complaint received 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (MA)

I purchased a vehicle through wells fargo, Over the last couple of years I have received checks for small amounts with apologies saying they overbilled. One point I had a repossession on a very low amount. which I had to pay a larger amount to get car back. Car is paid off, but I am inquiring about said damages awarded through the court settlement recently. Thank you, XXXX XXXX
Consumer complaint received 2021-07-28
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. (FL)

On XX/XX/XXXX i check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2021-07-28
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. (CT)

I have sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX /XXXX  XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,
Consumer complaint received 2021-07-28
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. (CT)

I have sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,
Consumer complaint received 2019-12-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There's a collection on my credit report XXXX Transunion, XXXX XXXX  XXXX for a loan I did not take out. XXXX XXXX XXXX is a company that is reporting me delinquent for a loan I DID NOT take out from a company called the " the XXXX XXXX ''. Transunion has determined that the debt is valid. I'm saying it is not valid. I have tons of collection items -- -this is not one of them. This debt does not belong to me.
Consumer complaint received 2021-07-28
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: Professional Credit Management, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... PROFCRJONSBO ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (TX)

Dispute Dept./To whom it may concern, Please send me all information that you have on this account. Anyone can send an agreement, terms and conditions, statement, but that DOES not prove that a contract was signed as anyone can fill out an application online that could be bogus. Also, I want a copy of a signed agreement or contract as required by law. If you can not provide this information then I expect a letter of deletion to be mailed to my address as well as the three credit bureaus. 

Reference # XXXX I also would like to know if you are licensed to collect in my state. If so, send me your license number for me to view. If not provided, I will file a case with the FTC, XXXX, Attorney General, and the CFPB. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

2Phone Number : XXXXReported For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXXReported Address:XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXXDrivers License : State : Date of Closure : XXXXTN/ACCT # : XXXX / XXXXOriginal Charge Off Amount : $ XXXXClosure Status : UNPAIDClosure Status Date :XX/XX/2016Inquiries
Consumer complaint received 2021-07-28
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: Franklin Collection Service, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-28
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: HW Holding, Inc (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-28
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. (MI)

I did not authorize these two credit authorizations through XXXXXXXX XXXX for XXXX store card XX/XX/2021 and also for XXXX XXXX on XX/XX/2021 This is illegal and against the fair credit and reporting act somebody must have access my information and social security number committing fraud and then attempting to obtain credit through my financial information these need to be removed immediately.
Consumer complaint received 2021-07-28
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)

I did not authorize these two credit authorizations through XXXXXXXX XXXX for XXXX store card XX/XX/2021 and also for XXXX XXXX on XX/XX/2021 This is illegal and against the fair credit and reporting act somebody must have access my information and social security number committing fraud and then attempting to obtain credit through my financial information these need to be removed immediately.
Consumer complaint received 2021-07-28
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Helbing Law Group (RI)

To whom it may concern : I have been using Helbing Law firm LLC for 3.5 years. They claimed to be able to improve my credit to debt by reporting to all 3 credit agencies as I made monthly payments to them.

Helbing LLC. has only settled 1 account in the 3.5 years and has not been reporting my payments to the credit agencies. Also, Helbing has settlement amounts higher than the original amount as well as used my payments towards accounts that are not mine.

I have not heard from them for the past year until I threatened to make this claim.

Please see attachments Thank you, XXXX XXXX
Consumer complaint received 2021-07-28
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. (MI)

I did not authorize these two credit authorizations through XXXXXXXX XXXX for XXXX store card XX/XX/2021 and also for XXXX XXXX  on XX/XX/2021 This is illegal and against the fair credit and reporting act somebody must have access my information and social security number committing fraud and then attempting to obtain credit through my financial information these need to be removed immediately.
Consumer complaint received 2021-07-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC (FL)

Flagship Credit Acceptance LLC issued a deceptive form as a contract. Repossessed the vehicle, sold it, and still continues to furnish negative information to the credit agencies for years now. I have asked them to validate this alleged debt and they still have not provided me with the required documentation pursuant to 15 USC 1692g nor the documentation I requested from them. I am attaching the correspondence I have sent them, everything is over 40 pages, so I am only attaching what I have sent them and their last response to me. If all 40 pages are needed I can forward upon request.
Consumer complaint received 2021-07-28
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. (LA)

Vehicle was traded in and signed over in XX/XX/2021 which lines up with the opening of my new auto loan. XXXX XXXX XXXX purposely didnt close out the loan until XXXX and listed me as late for the month of XXXX when the vehicle had been traded in since XXXX. This company also reported me late in XXXX when a payment was submitted in time.