davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I have received a credit report that suggests I owe you something, but I have not seen any evidence to support this claim. Therefore, I demand that you dismiss all claims against me and remove any negative reports about me, especially if the reported items lack mandatory document evidence of verified factual proof of claim, reporting truth, accuracy, correctness, completeness, fullness, timeliness, ownership or responsibility of claim/reporting, and/or compliance with certified Metro 2 format reporting standards. I also demand that you prove your lawful authority to conduct business with me, as I will not conduct any business interaction with you under duress. If you fail to comply with this demand within 20 days of receiving this notice, you must immediately and permanently cease all derogatory or injurious actions against me, including but not limited to reporting or collecting unverified, untrue, invalid, or non-compliant claims or debts. 
Please be aware that any such behavior could be considered criminal harassment or extortion, and I will take appropriate legal action. Therefore, please rectify any alleged chicanery-laden subterfuge on my credit report by removing any delinquently reported items. 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below XXXX the Collections that are being challenged XXXX XXXX XXXX  - XXXX
Consumer complaint received 2019-12-22
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. (OH)

This is actually my second complaint. The first complaint XXXX was submitted on XX/XX/2019 and closed on XX/XX/19 with the late payments being removed from my credit report. It is now XX/XX/2019 and the same incorrect information that I complained about then has still not been updated. I submitted payment information and letters from XXXX showing that I my payments for the month of XXXX and XXXX were never late and this information still has not been correct and it's affecting my credit rating and I'm receiving a higher rate on my mortgage qualification due to it. I just wanted the information corrected ASAP, because it's not far to me as the consumer to have to constantly contact Transunion to ask them to fix something that's they know is incorrect. I have attached the supporting documents along with the detailed from the report submitted on XX/XX/2019. Transunion is the only credit reporting agency that I am having this problem with and I'm starting to get really frustrating that they know the info is incorrect, yet they are still placing it on my report with proof that its incorrect.

Prior complaint:

I received a copy of my credit report at the end of XXXX  that showed that XXXX  shows that I was late on my student loan payment for the Month of XXXX, XXXX and XXXX. I spoke to rep who state I needed to upload supporting documentation to all three of the bureaus and they will review the info and make corrections where needed. XXXX  and XXXX   within 2 business days everything had been reviewed and the delinquencies had been removed from my credit report. I waited 30 days with Transunion spoke with a Manager by the name of XXXX   XXXX on two different occasion who stated they received the documentation and the he would go away and make the needed the needed corrections. He did and 30 days later they were back on my credit report, I spoke to him again and he stated yes, I have all your documentation and we will go ahead and remove the information again. It has now been over 60 days and I'm still fighting with Transunion to remove the items as they not correct. I spoke with Manager XXXX  at Transunion and he stated he would remove the items again, but I'm getting really frustrated with the fact that each month I have to call and ask them to remove the items as they aren't correct and it's causing me many problems as I am the process of purchasing home. I have worked too hard to keep my credit in good standings and to have inaccurate information reporting is costing me time and money during the home buying process.
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (UT)

google pay has frozen over {$1500.00} of my family 's food money and refused to release or refund it for no apparent reason. I have been contacting them regularly for over six months & continue to refuse to give our money back to us again was frozen for no apparent reason causing my family extreme financial hardship. I know you guys are extremely busy but I appreciate you immensely because everyday people would be helpless and hopeless without you.
Consumer complaint received 2019-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (NY)

This is a medical debt that went into collections with AR Resources. I paid the debt of {$220.00} in XXXX of 2019 and have the transaction code ( AR Resource term ) they gave me as proof of payment. It is transaction code XXXX, that is the code they gave me as proof of my {$220.00} payment. The debt has been on my credit report this whole time and I have worked diligently to get it removed. It was not removed however. XXXX XXXX found the information of the debt to be correct!! So AR was telling them I still owed the money. AR has not submitted any information to remove this debt from my credit report. They refuse to help me at all with my credit situation. Please help me get this information off of my credit report.
Consumer complaint received 2019-12-22
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. (AZ)

XX/XX/2019 someone tried to obtain credit services from XXXX XXXX XXXX I got a notification from my credit monitoring service, I called XXXX withing minutes, they were able to stop the account from being opened, they sent me a letter the following day stating that it was fraudulent, and that I was not responsible for it. Also they stated in their letter that they will notify Equifax to take the inquiry off my credit report. I have been waiting since XXXX XXXX, I have called XXXX over XXXX times, they keep telling me that they sent out the letter for removal but Equifax tells me they have not received anything from XXXX XXXX XXXX. 
Equifax tells me they haven't gotten anything from XXXX XXXX XXXX and they redirect me back to them. Its an endless loop. 
I have filed a police report, which I will upload to you as well
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (OK)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Consumer complaint received 2023-12-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (IN)

A new ( er ) collection popped up on my report for {$1600.00} NCB/XXXX XXXX XXXX XXXX XXXX XXXX 

Reporting this debt with bad data in order to extend life of debt. 

XXXX customer service was not helpful, but account specialist in XXXX collections said : Account sold to NCB : {$1600.00} XX/XX/2017 She did not have any further data : specifically the last payment made/payment history/DOFD ( 30 days, etc ). 
Ive challenged this with the 3 bureaus but they have not posted the DOFD, and they state NCB is asserting that last payment made was XX/XX/2017 but that is the date it was sold to another company.
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

XX/XX/2016 A credit collection company was collecting for a balance @ XXXX XXXX which I disputed and was actually settled for {$1500.00} with collection agency due to the fact they could not provide back up only saying I owed the debt to XXXX XXXX {$450.00} They removed the debt then they sold to the current collection company and back on my credit report. 
Reach out to Credence Collection Company to try and explain the situation was told that I owed the debt - they did NOT have to provide back up to the debt I owe but I owe it. 
I have turned this over in 2016 to XXXX XXXX fraud department - and a not to mention I am a CURRENT XXXX  XXXX customer This is ridiculous that collection agency can continue to purchase a debt that was fraud and already removed not to mention to continue to collect which resulted in a settlement of {$1500.00}
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Designed Receivable Solutions, Inc. (AL)

I've disputed through the credit bureaus and sent the company several letters requesting their legal authority to collect the debt, a direct contract between me and the company with my signature, and an agreement to the assignment of the debt. All my request have been ignored. I've even called to get information and it's getting me nowhere.
Consumer complaint received 2019-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-22
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. (FL)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IL)

I have gone to the counter at the store and the clerk did not apply credit card payment and it was not applied to my balance ... I was then charged double interest on XX/XX/XXXX ... My credit rating was also harmed by the transaction ... My ongoing balance with Sams club credit card is off by about {$5000.00}.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MD)

XXXX XXXX I apply for Discover secured card for amount {$1000.00} after submitting application The company Discover sent email requesting I sign IRS consent form 4506-C which I completed the IRS form and submitted it. I followed up with Discover and was informed that I was denied for unable to verify my identity. I do not understand the process of verification but my identity is not the problem. I feel discriminated and understand my rights to fair credit.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (IL)

Payment status is showing up incorrectly. Payment was made during the company 's system failing. Conformation was sent that payment was received. The company 's system never processed the payment due to the new system having issues, allowing the system to crash repeatedly over a 2 week span.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (IN)

I requested international wire transfer of {$30000.00} on XX/XX/2021 with Discover bank but the bank has wired the money into a wrong account and has not been able to retrieve or provide update on the recall status to date except telling me to wait and " I am not able to give you any information at this time. Call us back on XX/XX/XXXX if you don't see the money credited back to your account '' by the bank manager. The bank has not taken appropriate professional responsibility or discussed with me about any plan and refused to discuss a follow up plan with me. I have called Discover bank daily, discussed the status with the associate whom has been on the case, and followed up or provided the information from the beneficiary bank as the associate at Discover bank requested but, to date, Discover bank has not been able to officially provide me any update or status of where the money is and when the money will be credited back to my account.
Consumer complaint received 2022-01-03
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)

On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (NC)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received a text message from number claiming to be Wellsfargo that someone was trying to make a payment. It said reply yes or no. I replied No. I then received a call from a Wellsfargo number. He said that he would put a stop to it immediately and that they were trying to zelle money to the reserves from my account but he put a pause on it. He sounded very professional and said I would need to sign in and transfer the money back to myself since it was on pause. I put in my phone number and name. He wanted me to do it XXXX times. I started to fill uneasy but I was getting texts and he assured me it was wellsfsrgo and the number did match. As I seen my bank account go low he Said that after the process he will clear it and it will go in my bank account. He said he had zelle on the line trying to get back my funds. He said if we don't complete I'll be on out XXXX. I hung up because I did not feel right. I called my bank and they informed it was not them. I filed a claim. I read that with banks should fix it with title E protection? I have not much money and this scam really ruined me and put me in a financial burden. I am devastated that I actually got skammed and violated that the could so easily hack my account.
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (NC)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2022-01-03
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 an issue with Equifax, XXXX, and XXXX. I have sent multiple letters to which none of them have replied. The only thing they've done is reinsert information that was deleted from my credit report, in which none of them have sent me reinsertion letters and this is a violation of the Fair Credit Reporting Act. After numerous attempts I am filing this complaint because it is beyond me how someone can just ignore you and there is incorrect information being reported on my credit report. Per the Fair Credit Reporting Act all information across all three credit bureaus must be identical, however, neither of these credit reporting agencies are reporting anything the same which is a violation of my rights as a consumer. I ask that all incorrect information be removed from my credit report immediately, or I will have to handle this situation in my best interest.
Consumer complaint received 2019-12-22
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: Experian Information Solutions Inc. (TX)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes.I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2019-12-22
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. (TX)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes.I would appreciate it if youd expedite this because I need to apply for a job.