davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
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. (PA)

The follow account and Inquiry information does not belong to me. 

XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$410.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-13
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

I have been paying back a student debt since XX/XX/XXXX and only recently learned that I was being charged fees for every payment I made after the fact. I did not sign a loan agreement and I am not legally allowed to be charged interest. I was previously charged {$2.00} for a convenience fee which was reflected on the invoice when making payments. Subsequently, the payments I made are now reflecting new charges being taken out of old payments. The fees range from 12-24 % of the total payment. The fees do not appear on my statement mailed to me monthly nor on the payment invoice when I submit the payment. In total, since XX/XX/XXXX, ECSI has collected over {$500.00} in fees without my knowledge or without notifying me through the mailed statement or before making the payment of any fees that will be deducted from my payments. In XX/XX/XXXX my first payment was not charged a fee but every monthly statement after that has a fee taken out that was not previously recorded on any statements sent to me directly from the company. The fees dating back to my initial payments after XX/XX/XXXX are now different then when I first looked at them in XX/XX/XXXX with a portion diverted from my debt repayment directly to ECSI. These charges were nonexistent and are only now being reflected in the online payment history with my physical statements differing from the ones online. I have tried to email the company to discuss the fees and have called them to speak to a representative and have yet to be contacted or responded to. This company works directly with the University of XXXX, which is holding my transcript until the loan is paid off directly to ECSI. My consolidated report was altered in XX/XX/XXXX to show fees charged in XX/XX/XXXX, that were not previously reported.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021 I sent TransUnion a letter disputing the validity of the bankruptcies they are reporting on my credit report. I also sent a method of verification letter and a letter from the courthouse stating that they ( the courthouse ) doesn't verify their information with the bureaus. I expected to receive a response within 15 days of receipt of this letter in compliance with the FCRA, but unfortunately that didn't happen and is a violation to my FCRA rights.
Consumer complaint received 2021-10-04
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: Bread Financial Holdings, Inc. (MA)

All credit bureaus reported on XX/XX/21 that comenity/express pulled my credit today. This is a hard pull. I did not recently apply for a new card or more credit from any company including Comenity bank/express . I asked company in writing and via phone call to please research and remove this from my credit reports. I spoke with customer service department at this company, also the fraud department at this company and the applications department and none were able to help me. The applications department said they had no recent applications for credit on file under my name. I was told to contact each credit bureau to report fraud and that there was nothing Comenity bank/express could do to resolve this issue for me.

I do have an active express account which I have had for 10 years and there are no known issues with that open account. 

I just want this recent hard pulldated ( XXXX ) to be removed from my credit reports. I would really like to know root cause of this issue so responsible party is held accountable.
Consumer complaint received 2021-03-13
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NJ)

Nissan infinity Lt, I have 2 late payments that were not late and I was told it was theirs mistake they will be removed for the simple fact we had automatic payment setup then down the line as I spoke with different customer services reps every one had a different story all of a sudden they say we didnt set up automatic payments so I assumed they were automatically taking the payments XX/XX/2016 they gave me a late payment and XX/XX/2016 they also gave me a late payment for that month even tho I had setup automatic payments with them and on several different Occasions I was told they would be removed but they never removed the late payments.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (PA)

Long story Short I have complaints against 3 different banks that attacked My credit while I was away on military orders. This has been on going for a few years and I have tried to settle this with all 3 banks. One of the banks ( Synchrony ) went as far as accusing me of stolen valor. These banks keep refusing to fix things and I want to make the treatment of military public. They had recieved notification I'd be away on orders. When I came home they charged the accounts off as Bad debts.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The credit bureau is reporting a balance of {$12.00} with The XXXX  XXXX XXXX, which is inaccurate. I have a XXXX  balance with XXXX XXXX XXXX XXXX. It is not reflecting my payment of {$31.00} made on XX/XX/20.
Consumer complaint received 2021-10-04
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. (TX)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I was not late on this account when it was opened in XX/XX/XXXX, it shows on my credit report I was late in XX/XX/XXXX 30 days and XX/XX/XXXX 60 days. In XXXX it shows 30 days late in XXXX and XX/XX/XXXX.I reached out to company several and they have not updated my credit report.
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Resolutions, LLC (CT)

I received a alert from my credit card credit score that Credit Resolutions LLC had put a blemish on my account XX/XX/XXXX for {$120.00}. I never received a letter or call from them so i couldn't have had my 30 days to reply.. They put a blemish on my credit score account. I called and talk to XXXX ( @ Credit Resolutions , LLC ) she tells me it's from XX/XX/XXXX from XXXX XXXX Dental XXXX XXXX XXXX. Ask for a copy of the so called bill but she said can't give it to me?. I called XXXX XXXX dental talk to XXXX XXXX they sent me a copy of receipt with XXXX balance but still insist i still owe, ..Now my credit score has a blemish on it and still owe {$120.00}. dollars. Need help
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report 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 blocking the erroneous information that is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-14
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. (FL)

I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-03-14
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: Experian Information Solutions Inc. (FL)

I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

XXXX : XXXX XXXX : XXXX XXXX/XXXX  : XXXX XXXX  XXXX  : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX : XXXX
Consumer complaint received 2021-10-04
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: Colony Brands, Inc. (GA)

I was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with XXXX XXXX to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report
Consumer complaint received 2021-10-04
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: CLGF Holdco 1, LLC (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

I XXXX XXXX XXXX have requested that FCO or " Fair Collections and Outsourcing '' validate the alleged debt in which they erroneously continue to publicly report. 

Performance is expected in accordance with the herewith attached Court Order, Case No. 2015 CA XXXX XXXX and the Law. 

since XXXX, FCO has been erroneously reporting to the american public and credit bureaus that XXXX XXXX XXXX has a debt owed to your company in the Disputed amount of {$24000.00}. 

FCO has willfully failed to perform by refusing to validate the purported debt I'm accordance with the herein referenced Court Order, Case No. XXXX CA XXXX XXXX and the Law. 

I, XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, have sent several request that FCO validate the alleged debt in which FCO erroneously continues to report to all three credit bureaus and the public thereby tarnishing my good name and credit standing. 

I am in receipt of registered and certified, return mail receipts which were addressed to " XXXX XXXX '' as CEO and accepted and signed by " XXXX XXXX '' and other authorized representative. 

FCO 'S willful refusal to validate said debt is a direct violation of the herewith attached court order Case No. XXXX CA XXXX XXXX 

Notice : all communications will be forwarded to the District Of Columbia 's Attorney General and the presiding judge, Superior Court Judge XXXX XXXX XXXX, SO ORDERED AND ADJUDGED on XX/XX/XXXX. 

As I understand the foregoing order to mean as follows : " FCO understands that this Judgment is enforceable by the Office of Consumer Protection of the Office of the Attorney General for the District of Columbia and agrees that any violations of this Judgment shall be considered an unlawful practice that violates the Consumer Protection Procedures Act subjecting FCO to the legal and equitable remedies provided therein. '' ( See Case No. XXXX CA XXXX XXXX ) Notice : NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASIGNS
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX my phone was stolen. With my phone it is unlocked for my toddler. My notes in my XXXX contained all passwords. The thieves managed to reverse 40 payments made in the last few months and send them to XXXX XXXX and XXXX XXXX. I never made the initial claims. I called Bank of America after returning from my vacation to notify them. I was told 9 days and Ill be okay. Every time I call I get disconnected between transfers. The employees have different information every time. This is the bank Ive used for 3 years no issues. This is my main account. I was instructed to freeze my account and when my direct deposit is done processing call back and as long as I created a new account the money would be able to be transferred to the new account. I listened and when check cleared I called back. Then I was instructed I was provided misinformation and that I can not have my funds released. I asked well if my account was frozen why was it not returned to sender. They said I can make payments but cant send money. So they lied and took 2 weeks of pay in addition to the original money lost. After creating a new account I worked and waited 2 more weeks for this check on XXXX XXXX I had this account for 2 weeks. Nothing should be associated with my hacked account due to investigation. I provided all information including all false claim numbers and police report. On XXXX XXXX I had lunch and made a purchase of around {$100.00} at the mall for XXXX shopping since Ive been without pay for a month. Within 30 minutes of leaving mall heading to XXXX my account was closed. The bank told me they could do that at any time. The lady from Risk Management told me she would open my debit card for 15 seconds Ive never heard of that. I left XXXX after shopping and waiting in line for 30 minutes because my card was declined after just receiving direct deposit. I get to the atm to pull out the money. She then says she gave me the wrong information. I was told Tuesday I could pick my money up from the bank by risk management. I called Tuesday before heading to the bank and confirmed I could get my money. The bank calls risk management they said I could not get my money back until earliest XX/XX/XXXX. I left the bank called risk management and they told me my funds are available for pickup
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2021, I noticed that I had 13 transactions from that apparently had come from a website listed as XXXX XXXX  on my bank statements. The total for these charges after whoever had used my card issued a small refund of {$100.00} was {$6300.00}. This could have been caused by any number of things as I had just gotten back from XXXX XXXX, Nevada the week before this happened, however I made sure my card was on me and in my wallet next to me at all times. It is possible someone used a skimming device of some sort. I filed a fraud claim with Bank of America the same day this happened. two months later and I called the bank again because they had retracted the credit they had given on the date of XX/XX/2021, stating that after investigation I was liable and they would not refund me. I would have tried contacting the merchant themselves, however they did not have a phone line, and the only way to get customer service was with an order number of which I do not have because I have personally never purchased from them.
Consumer complaint received 2021-03-14
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. (PA)

Transunion keeps sending me the same responses for the alleged accounts listed below. How can you possibly say that these alleged accounts have been verified when there are so many inaccuracies regarding these alleged accounts. Both XXXX and XXXX deleted these accounts due to the fact that they were unable to verify these accounts yet your company keeps telling me the opposite. First of all how can you possibly be able to verify these alleged accounts when from the looks of it you are clearly reporting DUPLICATE accounts. Remove these accounts immediately or I will take you to small claims court because you are clearly not protecting my rights as a consumer and you are not taking the steps to properly verify this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-13
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have numerous hard inquiries on my credit report from XXXX XXXX XXXX XXXX and capital one. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.
Consumer complaint received 2021-03-13
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: Ray Skillman Chevrolet Inc (IN)

I have numerous hard inquiries on my credit report from XXXX ray skillman XXXX and XXXX XXXX. I am unsure why there are so many of the same inquiries there is 200 hard inquiries on my report.