davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 
Account name XXXXXXXX XXXX  Account number XXXX In accordance with the Fair Credit report Act, Public Law 91-506, Title VI Section 611, please provide the names and business addresses of each individual with whom you have verified the above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account was charged off on the following date ( XX/XX/2019 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX XXXX Account number XXXX
Consumer complaint received 2019-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

I noticed when checking my credit report that I have a collection from LVNV Funding I reached out to them asking what this was for, I have attempted to contact them via the mail to get documentation that this account is mine and what they are collecting for? 

I got no responses at all.
Consumer complaint received 2022-09-29
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. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account was charged off on the following date ( XX/XX/2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This account was charged off on the following date ( XX/XX/2020 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXXXXXX XXXX  Account number XXXX
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX bank account was closed never received a letter as to why advised 30-60 days XX/XX/XXXX - was advised a check was sent by one agent then advised to go to the branch then advised they were not giving my money back then advised they made no decision I keep asking for a letter or my money they never have a straight answer or can help me Citibank has robbed me of {$7600.00}
Consumer complaint received 2022-09-14
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. (CA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 2020-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX Tennessee on XXXX XXXX While attempting to trade the vehicle in I discovered that there was an extended warranty contract that I never saw or signed for $ XXXX.I went to the dealership to address the issue they said it could be cancelled.I said what the amount financed from the beginning of the contract should have been.I asked for a copy of a signed document which they could not produce days later Finance guy gives me a document with a Clear forged signature.This is forgery and fraud.Capital XXXX financed the vehicle and said they couldn't provide me any documentation of said Extended warranty contract which was included in the financing.
Consumer complaint received 2020-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I would appreciate for my bank Wells Fargo to refund me a payment I made in the the Wells Fargo app via XXXX. This is advertised as if its a secure payment system and its not. I was scammed out of {$120.00} dollars on XX/XX/2020 by another XXXX customer named XXXX XXXX and they are refusing to give me my money back for the goods I didnt receive.
Consumer complaint received 2022-10-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (FL)

These 2 Collections XXXX XXXX XXXX they keep reporting They continue to report these 2 accounts that were reported by the original creditors as Charge off more than 7 years ago and have already met the status of limitation, they should be removed and every time I dispute with the bureaus ( XXXX and XXXX ) they say Verified but where is the evidence of the dates. please i need help i am frustrated and i can't use my credit to help my daughter for her college.
Consumer complaint received 2021-08-31
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 am a victim of fraud and identity theft, I have been disputing fraudulent accounts for years now. I have sent in police reports to each credit agencies and have not been successful in getting the fraudulent information removed. They have taken things off and put them back on again. I have done everything on my end to resolve this issue which is ruining me getting loans, a home and credit. This is a ongoing issue with the credit agencies.
Consumer complaint received 2019-01-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

I sent a check for {$2900.00} to XXXX on XX/XX/XXXX. I called 2 weeks later to check on bill and receipt for the {$2900.00}. The mortgage co. said they put the money on 3 house payments in the future with {$120.00} left overbalance. I said that was wrong and I filled out bill for a principal payment of {$2000.00} plus one house payment with no money left over, and again asked for receipt and new bill for mortgage. We then waited and no bill or receipt ever came we then repeated process 5 more times and 5 more times no bill or receipt ever came until XX/XX/XXXX bill came only one with tax information for income tax which they did not include the {$2000.00}. I called they said they put the {$2000.00} on XX/XX/XXXX. payment which would have be next year taxes. They cashed check in XX/XX/XXXX not XX/XX/XXXX this years taxes this years accounting. We have a FHA loan and we feel that they were not happy with our principal payment and put us thru XXXX on purpose or they were trying to steal our {$2000.00} since no receipt ever came, and gave us faulty tax papers and late. Mortgage papers so messed up you don't know where you stand.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (OK)

EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. They sold my information to another company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE.
Consumer complaint received 2020-03-01
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. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-03-01
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: Experian Information Solutions Inc. (NC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/20 at about XXXX XXXX  PST I saw an email that stated my son XXXX Chase XXXX XXXX checking that is linked to my Chase checking account was overdrawn on the subject. So I looked at the Chase app his account was at XXXX, so I immediately transferred XXXX from my checking account because I thought his account was over drafted due to a XXXX monthly service fee. Then when I looked at my savings account I saw there was XXXX transferred to his account to cover the overdraft. I saw there were two transactions of XXXX each, total of XXXX made on XX/XX/20 done at a XXXX XXXX station in XXXX XXXX. I called the bank immediately On XX/XX/20 at about XXXX XXXX  PST and explained to them that there were two unauthorized transactions on his account. I explained them that he was home all day and night and he did not go to XXXX XXXX. We live in XXXX CA which is 40 miles away. They asked to speak to him and he told them he did not make the transactions and he had his debit card with him the entire time. They told me that they would reimburse the money to his checking account. I asked if there was anything else I needed to do they said no. They never told me it was temporary and that they would reverse it, but they did reverse it. On XX/XX/20 they reversed the amount, I called them On XX/XX/20 because XX/XX/20 was a Sunday and they are closed. They told me they reversed it because he made the transaction with a PIN. I told him he did not make the transactions, he was here all night. They said someone would contact me within 7 business days and that I would need to prove he was here. I told them if they could prove it was him, if they had a video or a camera. They didnt say anything. His account remained overdrawn. Then today on XX/XX/20, Saturday they have taken out XXXX from my checking account to collect for his overdraft. No one contacted me to ask me anything prior to this. Now I have to wait until Monday XX/XX/20 to call the bank and my rent is due XX/XX/20. This is truly wrong. Gas stations do not issue that much cash back. My sons transactions show he has never pumped that much money in gas. I didnt receiver one text alert alerting me of a fraud transaction when it clearly is fraud. Two transactions of the same exact amount from a gas station. Never have I experienced a problem like this with Chase. I am very disappointed.
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONGRESS COLLECTION CORP (MI)

About 8-9 years ago I was getting XXXX supplies from XXXX XXXX XXXX XXXX, a small XXXX   supply. I had an outstanding balance- Little over {$100.00} one year. I was told they would " write it off '' because I had brought them new business. The following year I had an outstanding balance around {$300.00}. XXXX XXXX XXXX XXXX was closing their business and going into other areas. 
One of the salesmen had started selling XXXX XXXX. I helped them get in the door and sell the insurance to my coworkers at XXXX , XXXX At that time we had over 800 employees. 
I was recently contacted by Congress Collections who said I owed over {$500.00}. I thought it was a scam until it was on my credit report.
Consumer complaint received 2020-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (FL)

On Thursday I opened an account online with TD Bank and was approved. Before, every time I applied I was always denied because I owe them from an overdraft account years ago. Following that I received a letter in the mail saying that my account was one of the accounts listed in the TD overdraft settlement, and I put in my claim for it months back. In early XX/XX/2020, I called TD recovery department and asked for the owed balance to be settled, I was offered {$200.00} by XX/XX/XXXX, I agreed with that price. On XX/XX/2020 I walked into the TD branch in XXXX, FL to seek assistance and letting them know I just opened an account but I would like to pay whatever I owe first that way I wont go through any hurdles maintaining my account. I told the assistant manager, I dont remember his name, but it was a busy day and he took me and I gave him my ID, and he ran me through TD systems and verified that I did not owe anything to them, and he instead to verify and he called TD security to make sure everything is okay. He said he see nothing that I owe again, so I told him about my taxes and I needed somewhere local to store the funds, he told me to open the account. I opened it, deposited {$100.00} in my checking and {$20.00} in my savings, and was given a debit card. Then I came later that day and deposited {$300.00} into the atm because I didnt want to have too many cash on me. Friday passed, Saturday, I tried using the card for XXXX, it didnt work, XXXX XXXX, it didnt work. I called td to ask why its not working. I was told the account is not activated because the security team put an alert on my account from past due. I cant use my card at all with {$390.00} on my account with them that I just opened. I had to ask family for money to get where I needed to go because I was able to log in the app and there was funds shown. This is really emotional because I could have paid them the settlement of {$200.00} but I was told its was no past due accounts found. This is a horrible time for it to happen while trying to pay for bills.
Consumer complaint received 2020-03-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (TX)

My bank statement shows two payments of {$330.00} being withdrawn from my account in a period of one week in XX/XX/2020. I contacted HMF and they said only one payment posted. After consulting with my bank, two payments of {$330.00} were indeed withdrawn for a total of {$660.00}. I would like a clarification of these charges and would like to have my next month 's payment waived since I paid double this month inadvertently.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, a charge was made on Synchrony Bank account in the amount of {$6500.00} which was not authorized and for which no work was done and no contractor 's contract exists. Complainant filed a fraud complaint with Synchrony Bank at their direction in XX/XX/XXXX. Synchrony responded on XX/XX/XXXX with form letter that " Customer benefited from use of card. '' Contacted Synchrony again appealing their reason and submitted detailed information about the fraudulent charge. Synchrony said they would re-investigate matter. Synchrony contacted attorney  representing cardholder on XX/XX/XXXX and discussed complaint and stated they would investigate. On same day, Synchrony sent a form letter dated XX/XX/XXXX, that the " customer released account information to party. '' This is false reason because in XX/XX/XXXX, the contractor wanted to perform work for complainant and said could be done through a Synchrony Bank credit card loan and the contractor obtained the account number and credit limit from Synchrony and provided to complainant. Complainant had {$2000.00} worth of work done and as fully paid off by XX/XX/XXXX. Contractor has performed no work and no work authorized after that. 

Further, Synchrony has refused to work with California attorney on this matter representing complainant unless the attorney provides Synchrony with the attorney 's social security number, stating that is their policy. Attorney refuses to give Synchrony Bank such information. 

The contractor denies they put charge on account, has not produced a contract for work and states they never received payment from Synchrony for the {$6500.00}. 

Telephone conversations with Synchrony Bank have been useless since then and complainant continues to get monthly statement with amount still on card.