davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX 1 ) XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- - XXXX 1 ) XXXX XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

4 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

5 ) Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

6 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

7 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

8 ) Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

9 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- -- - TRANSUNION 1 ) XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX accounts that are over XXXX years old and should have already been removed from TransUnion. Because they have not been removed, They are affecting my credit score. I have requested they be removed and have received no response. 
I would have expected at least the fact they received my request.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

When we had transferred our family wireless plan from XXXX XXXX XXXX to XXXX in XX/XX/XXXX, there were numerous issues that were encountered in transferring our lines of service over. One of these issues resulted in the line of service for XXXX erroneously being set up as a sub-account by XXXX on their system. I was told on several occasions that the issue had been resolved and the account had been consolidated with the primary account for all our other lines of service. Since I had enrolled in auto-pay, the primary account has always been paid on time and XXXX provided verbal confirmation that all charges would be billed and charged through this primary account. 

However, I recently discovered that although the sub-account was consolidated, the charges for a brief period of time in XX/XX/XXXX were never consolidated and billed through the primary account. Although this was entirely due to a XXXX processing error, XXXX sent these charges to a third-party collection agency in XX/XX/XXXX without my knowledge. And again, I was told on multiple occasions not to worry about the sub-account billing as everything had been consolidated under the primary account which was enrolled in auto-pay. 

As a result of this error, my XXXX XXXX has been adversely impacted. When I contacted XXXX 's billing representative on XX/XX/XXXX, I was also able to finally get resolution on several other charges to my account which were in error resulting in credits of {$64.00}. These credits were applied to my primary account since XXXX said they no longer have access to my sub-account. 

Per XXXX 's direction, I then contacted their third-party collection agency XXXX XXXX  XXXX to notify them of my conversation with XXXX and filed to file a separate billing dispute with them. However, after this conversation with them, I have not received any written confirmation of my dispute or confirmation that they have contacted XXXX. When I followed up with XXXX, they indicated that they have not been contacted by XXXX & XXXX and they can not correct my account information until that happens. Repeated attempts by me to contact XXXX & XXXX in writing have been unsuccessful.
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNITED CREDIT CORP. OF SOUTHAVEN (MS)

I abtain a loan from this company United Credit back in XX/XX/XXXX My home burned down and I lost my job in XX/XX/XXXX so I wasn't able to pay back the loan so they charged it off as bad debt so fast foward to XXXX XXXX I received my anually credit report and noticed United Credit has been pulling a hard inquire of my credit for the past year and something every two month they have pulled it starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX they are trying to ruin my credit I did not arthorize them to pull my credit this is illegal!! I have not heard or spoken to United Credit since XX/XX/XXXX this is not right and is against the law!!
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Equifax refuses to remove fraudulent inquiries after several request for immediate and permanent removal from my credit report. These inquiries are from the same company XXXX on the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I received a letter from Equifax stating that removal of the the inquiries dated XX/XX/XXXX with the confirmation # XXXX, but as I pull a recent report today the inquiries are still there.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX, MI XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX I did not authorize this please have them removed from my credit report
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

To : XXXXXXXX XXXX  XXXX AND Midland Credit Management , Inc . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

So I dont understand why my claim was denied I never received any information from crazy cheap store llc floor mats company at all about my item I purchased back in XXXX chime made me fill a dispute form and called almost every day for 8 weeks and also sent emails to the crazy cheap store who charged my account llc floor mats Ive reached out to them thru email since the site has no number but no one ever responded so was like what the heck I feel scammed out of XXXX and thought my bank can help get me my funds back but they denied me and before denying me they would tell me to call back and gave me a huge run around when I asked why it was taking so long cause now has been 4 months and all I want is my money back or my item I purchased but feel like Im a fool cause this bank is not the greatest and has the worst customer service and makes things a lot more complicated from filing a claim to calling them
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: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I have requested that the inaccurate and unverified debt no longer be reported on my consumer report. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

You must comply with my request for privacy by no longer reporting this account and making it accessible in the public domain.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Incorrect addresses and Phone numbers on transunion. They would not help me. They validted my identity by phone but put a hold on my acct. online, Customer service person would not give me and reference info on who she was : Name, I 'D. or location. I asked for supervisor and was put on hold and then hung up on. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX is not a valid address for me. I have never been to XXXX XXXX XXXX XXXX, XXXX, XXXXA XXXX XXXX XXXX XXXX, XXXXXXXX XXXX are not valid addresses.
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: Experian Information Solutions Inc. (LA)

I asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed.
Consumer complaint received 2021-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VEROS CREDIT, LLC. (CA)

During the time I had signed the lease agreement which was XX/XX/2021 until today 's date XX/XX/2021 i had conceived the virus known as XXXX twice and had informed the company ( veros credit ) that I would be unable to make the payments on time. They had not only harassed me the first time only after 40 days but had also called me before the hours of XXXX and after the hours of XXXX multiple times ( pictures of phone logs in XXXX  ). They have also called me from various numbers not associated with the company itself that I was aware of. I would like some restitution as well as some emotional distress damages that were on my son seen as the phone calls at XXXX and on not only woke him up but also caused him severe emotional trauma when he was jolted awake by the continuous calls.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA (CA)

I have disputed many times with XXXX  about my credit report and some loans that were effecting my score. I have provided them with all the necessary documents as my identity theft report and they still have not removed it from my credit. Its still showing a negative which effects my score tremendously.
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: AppFolio, Inc. (PA)

Requested copy of credit report from XXXX XXXX. They gave runaround and refused to give a copy of the report. They sent the report with password protection but never gave the information on how to access it. This was 3 to 4 months ago. I still have not received a copy of my report
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)

XX/XX/2021 an Collections account from XXXX XXXX company for XXXX that does NOT belong to me has reported on Transunion and XXXX. I have reached out numerous of times to both companies stating that. I never had XXXX services. The address that they have linked to the XXXX services that they CLAIM Is mines the address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have spoken to them and told them that I have never lived at that address. My CORRECT old address is XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. Apartment XXXX is not my apartment number. I have bank statements to prove that I have never lived at that XXXX address. Credit bureaus are failing to verify information on this account.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX XXXX  and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
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. (AL)

Transunion is reporting an unverified public record of a bankruptcy on my credit report. The court has verified to me that they did not supply this information to any credit reporting agency. I disputed the account with Transunion who responded and said that they verified the account with XXXX. Well, XXXX has deleted this account from their record because they could not verify it. Again, this is an UNVERIFIED ACCOUNT.
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 information incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : XXXX XXXX XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation immediately.
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (NY)

On XX/XX/1922, & XXXX & XXXX there were 4 ach XXXX $ dollar transfers made online and I was not aware of the XXXX until XX/XX/XXXX which is today but I was aware of the 3 all made to same account and I didnt make those transfers and I have called so many times and I have sent the required paperwork to the emails they have provided me with to verify my identity and nothing is being done and every time I call its the same process over and over of being transferred and being told the same thing each and every time.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Federal Adjustment Bureau, Inc. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
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: Experian Information Solutions Inc. (AL)

Experian is reporting an unverified public record of a bankruptcy on my credit report. The court has verified to me that they did not supply this information to any credit reporting agency. I disputed the account with Experian who responded and said that they verified the account with XXXX. Well, XXXX has deleted this account from their record because they could not verify it. Again, this is an UNVERIFIED ACCOUNT.
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LTD Financial Services, L.P. (CO)

We helped to rent an apartment for our friend at XXXX XXXX. 
They left the apartment before the lease ended because they had a Family issue and needed to move back to Ohio. They didn't have the money to pay the fee the apartment charged breaking up the lease. So i know i was responsible because I was the one who actually signed the lease. We didn't had the {$1600.00} to pay either at time so I called XXXX XXXX if we can set up a payment plan. They told me they will reach out because their Corporate Office handling it. I called back several times. They gave me the Corporate Office phone number and email. I try to call many times and emailed them too. 
Nobody called and emailed back. Months went by and like several month later I saw the collection on my report. I have called the collection agency explaining the situation nobody gave us a chance to set up a payment plan. 
They have not sent us notice of the debt, a right to dispute it, or negotiate and we would like this resolved one way or the other and to have it off my report since i tried to do everything possible to arrange payment so it wouldn't be put on my report. i have tried disputing it with the credit bureaus.