davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-14
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. (NY)

Started month of XXXX a late payment all the way up to Month of  XXXX. Advised was in hospital XX/XX/ with XXXX  and XXXX discharged XX/XX/XXXX. Spoke w/XXXX same day. I spoke with them 2/3 times a month. Every month credit reports stated 30, 60, 90 days late. Even with terms of agreement with XXXX my credit report was reporting delinquent. 
XXXX every month said they sent in a corrected and updated report. But each month it came back again. Delinquent. Balance would go down but a new month of delinquent report. 
The following month bal goes back up payment not reflected and delinquent again. This is with all credit reports. 
All have different balances for XXXX  XXXX accounts. I have been ask for updates to be investigated and corrected. I would also like to know what is my legal rights with this on going problem with XXXXl XXXX. This is harassment.
Consumer complaint received 2020-08-14
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. (CA)

I have a credit card with XXXX. On the XXXX of XXXX I had submitted a form on my account with them for a potential {$1000.00} credit line increase. They approved it immediately. Later in the day I got a notification from my credit monitoring company telling me that there was a new hard inquiry on my report. I checked my report and there was one from XXXX. When I had submitted the form there was nothing stating that they were going to pull a hard inquiry. So XXXX did not have my authorization to pull the report. Any other credit card company that I have gotten credit increase has not pulled a hard inquiry. Had I known that they were going to do that I would not have asked for the increase and would have applied for a new credit card with a different lender. I contacted XXXX and told them they never had my approval to pull the report and something needs to be done about it and they said oh you asked for us to review your credit so we need to pull your report, so sorry but it is what it is type of thing. ( Note this was said in the email I have attached, it says that they need to pull one, it doesnt say that they already did, so there is some discrepancy there ) Since I never authorized it I then went to trans union to dispute the inquiry on my report but they said they cant do anything about it and I need to contact the credit company, which as mentioned I did and got nowhere which is why I am filing this complaint.
Consumer complaint received 2020-08-14
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: BARCLAYS BANK DELAWARE (CA)

I have a credit card with Barclays. On the XX/XX/XXXX I had submitted a form on my account with them for a potential {$1000.00} credit line increase. They approved it immediately. Later in the day I got a notification from my credit monitoring company telling me that there was a new hard inquiry on my report. I checked my report and there was one from Barclays. When I had submitted the form there was nothing stating that they were going to pull a hard inquiry. So Barclays did not have my authorization to pull the report. Any other credit card company that I have gotten credit increase has not pulled a hard inquiry. Had I known that they were going to do that I would not have asked for the increase and would have applied for a new credit card with a different lender. I contacted Barclays and told them they never had my approval to pull the report and something needs to be done about it and they said oh you asked for us to review your credit so we need to pull your report, so sorry but it is what it is type of thing. ( Note this was said in the email I have attached, it says that they need to pull one, it doesnt say that they already did, so there is some discrepancy there ) Since I never authorized it I then went to XX/XX/XXXX to dispute the inquiry on my report but they said they cant do anything about it and I need to contact the credit company, which as mentioned I did and got nowhere which is why I am filing this complaint.
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (MS)

i have sent complaints to these debt collectors on XX/XX/2020 and they haven't respond or marked it as disputed, so they have violated the law and i will turn this over to my attorney.I requesting that these accounts be deleted from my report.i have attach copies of the letters below
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block this file. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

THIS IS THE FOURTH TIME I AM ASKING EXPERIAN TO PLEASE RESPOND TO XXXX XXXX XXXX   REQUEST FOR YOU TO UNBLOCK MY ACCOUNT. On XX/XX/2020 XXXX XXXX XXXX, submitted a block rescission request to Experian and they are still waiting for confirmation from Experian that they have removed the block.
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (GA)

On XX/XX/2020 XXXX was reported on my credit profile. This unknown company I have never heard of is reporting inaccurate information on my credit report. I have noticed bad reviews of this company attempting to collect inaccurate and unverifiable debt from individuals.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & PORTFOLIO RECOV ASSOC Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (MI)

XXXX, XXXX, and Experian are putting false information on my credit report without my permission. They never verified anything with me, so now they are defaming my character. I sent all 3 a letter and they still have not responded.
Consumer complaint received 2022-12-30
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. (SC)

I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 

1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX  Please remove it from my credit report.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (MO)

Dear NCB MANAGEMENT, I am writing to formally demand that you cease and desist all collection activities, including any threats of wage garnishment, related to the alleged debt referenced as.It has come to my attention that your company has been pursuing aggressive collection efforts, including the threat of wage garnishment, in relation to the aforementioned debt. I dispute the validity of this debt and request that you provide verification of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) .Furthermore, I demand that you immediately cease all communication with me, including but not limited to phone calls, letters, and emails, regarding this debt. Additionally, any attempt to garnish my wages without proper validation of the debt will be considered a violation of my rights under the FDCPA and other applicable laws.Failure to comply with this demand will result in legal action being taken against your company. Please be advised that I am prepared to take all necessary steps to protect my rights and interests.

Sincerely,
Consumer complaint received 2020-08-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Experian, XXXX and XXXX deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Today, XX/XX/2020, I spoke with an associate who could not explain why the decision to close my account was made. This account has a {$0.00} balance which was paid in full in XXXX of this year. Bank of America decided to close the account 4 months later for inactivity. This is absurd! The other reasons, for closure are inaccurate as well.
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 XXXX was reported on my credit profile. This unknown company I have never heard of is reporting inaccurate information on my credit report. I have noticed bad reviews of this company attempting to collect inaccurate and unverifiable debt from individuals.
Consumer complaint received 2019-02-05
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. (NJ)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2020-06-13
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. (LA)

Bankruptcy filed XX/XX/2019 discharge XX/XX/2019.since then i constantly have to dispute what was in my bankruptcy it never went away an ruining my credit.
Consumer complaint received 2024-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (FL)

I don't recall having a contractual relationship with this collection company CENTRAL PORTFOLIO CONTROL. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

TOTAL DECEPTIVE TRUTH IN LENDING STATEMENTS. USAA FRAUD CREDITS ARE HIDDEN INTERNALLY TO FRAUD CONSUMERS. See attatched XX/XX/2019 statement. OTHER CREDITS {$2.00}, XXXX. Kindly Note at bottom statement CREDITS XXXX $ XXXX XXXX  $ XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX NEXT PAGE see top next page CREDITS XXXX $ XXXX XXXX XXXX XXXX *** $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEXT WE HAVE A TOTAL LINE OF THE ABOVE AMOUNTS that is incorrect ( TOTAL CREDITS APPLIED {$910.00} ) All amounts ARE NOT INCLUDED IN THIS FIGURE TOTALING THEM. ( all amounts above listed below the ** ) ARE ( NOT ) INCLUDED. Kindly Note NONE OF THE ADJUSTMENT CREDITS ( usaa temporary fraud credits ) ARE PROVIDED BY USAA. " DECEPTIVELY MADE TO APPEAR USAA CREDITS WERE PROVIDED WHEN THEY WERE NOT. '' These figures really total {$2.00}, XXXX MISSING USAA CREDITS OF {$1.00}, XXXX. With no explanation. All hidden internally.
Consumer complaint received 2023-02-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (WA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Diversified Adjustment Service for attempting to collect a debt that I do not owe. According to their correspondence, they claim that I owe them {$29.00} for an outstanding balance on a XXXX XXXX XXXX XXXX bill. 

I have proof that I have already paid the full amount of {$100.00} on my XXXX XXXX XXXX XXXXXXXX bill. The payment was made on XX/XX/2022 and the payment was fully processed and cleared by my credit card company. Diversified Adjustment Service is falsely claiming that I owe them money. 

I am very concerned that Diversified Adjustment Service is attempting to collect a debt that is not valid, and I believe that their actions are in violation of the Fair Debt Collection Practices Act. Their attempts to collect this debt have caused me undue stress and anxiety, and I fear that my credit may be negatively impacted as a result of their actions. 

I am requesting that the Consumer Financial Protection Bureau investigate Diversified Adjustment Service for their unlawful debt collection practices. I also request that all negative marks on my credit report be removed as a result of their false claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I discovered an collection account by the name of Portfolio Recovery that is showing up on all three credit bureaus under my name and ssn that is a unverified account that i have no knowledge off. I have ask of them to remove this account because it could not be validate with a legal obligation to pay them.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (CA)

I used Charles Schwab ATM card to withdraw XXXX XXXX pesos from a hotel atm while visiting XXXX. I use this debit card because they reimburse any foreign transaction fees and guarantee any fraud protection, even internationally. After withdrawal, I noticed that they actually charged me XXXX USD instead of XXXX XXXX pesos ( about XXXX USD ). I contacted Schwab regarding this issue and also showed them statements from the hotel demonstrating that the particular ATM I used does not dispense USD. The response from Schwab was more or less dismiss the case.
Consumer complaint received 2020-08-14
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I had a XXXX  and my car got wrecked i called and told credit acceptance and the person i was on the phone with agreed to not put a reposession on my credit if i returned the car i returned the car not only is it on there but i asked if i paid it off with the 60 % they was offering can it be deleted off my account they keep saying no but they already gave me false information
Consumer complaint received 2022-11-01
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I tried to open a new bank account at XXXX XXXX XXXXXXXX XXXX XXXX Very much to my surprise I was denied. When attempting to find out the reasoning I was told to call ChexSystems. This company is a disgrace. I called 4 numbers some of which were disconnected before I finally got someone who was in another country and told me nothing other than to get on the website. They were absolutely no help. In addition a company this careless has my personal information in there possession. Perhaps it is companies like this in which I have been a victim of identity theft TWICE!!!!
Consumer complaint received 2020-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-08-14
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. (NV)

**NOTE** THIS IS NOT A DUPLICATE COMPLAINT. SEE REQUESTED ATTACHMENTS. 


Problems with credit reporting due to unverified, inaccurate, misleading information on my report.
Consumer complaint received 2020-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Santander Consumer USA Holdings Inc. (CA)

Santander Consumer USA reported a charge off of my loan to the credit bureaus stating that the car was affected by a natural disaster. This is not the case, the car is in great condition, now i have a charge off showing on my account. I have tried to work with Santander to understand how we can fix this but have been unable to get this resolved after numerous email, phone calls, and letters.