davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
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. (TX)

I am a paying member of Trans Union Credit. I have access to all 3 credit reporting agencies. I have in the last 90 days filed disputes per their process. I had an installment loan with XXXX loan # XXXX which I paid off two months ago. Trans Union 's credit report shows the balance of {$16000.00} is now XXXX. However, When I check all three agencies reports it still shows a balance due of {$16000.00}. When I tried to file a new dispute and went through the online process I get a messages back " We are sorry, but we are unable to to full fill your request your request at time '' Then a message, " what to do Now ''. 
I paged through this information and finally found a phone number to call customer service, I was placed ON HOLD for 1 hour and 15 minutes and when answered it was a lady in XXXX. She told me that the XXXX account showed XXXX  on balance. So I walked her through going to all 3 agencies reports and that there it shows the account is still open and the NOT paid off which is wrong. She acknowledged that she agreed with this. However, that the dispute and technical depts. were having difficulties and she could not do anything about it. I ask her, I have been working on this for 2 weeks and are no closer to getting someone to resolve it. She said she could file the dispute manually and I would get a confirmation email that this was done. She verified my account and email with Trans Union. To date I NEVER received the confirmation. For me this is very frustrating and I consider it Harassment and nobody at Trans Union cares because they do not have to take care of this our satisfy my disputes and to think I paid them {$29.00} for the privilege of getting screwed. I thought the U.S. Government had taken action to prevent these credit reporting agencies from hassling, delaying and not servicing the American Public ... .my experiences are nothing has changed, HELP!
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

I mailed a payment on XX/XX/XXXX with the coupon and check to PHH Mortgage serviced by XXXX. I checked my account and saw the check had not cleared. I called and they confirmed they received the check however because it would pay the loan off they would hold my check for 10 days then process it. It is now 12 days later and multiple phone calls they still have not deposited the check. I'm up to 5 phone calls. On the back of the statement I receive every month it states : Payments received Monday through Saturday at the address on the payment coupon will be credited the date of receipt if 1 ) in US dollars in the form of a check drawn on a XXXX XXXX, and 2 ) received in the envelope provided with the coupon enclosed. I complied with both of these requirements. I did pay a bit more than what I owed to be sure I had enough to pay out the mortgage. They told me I have to wire my final payment. No where on the statement does it say I need to do that nor should I have to pay {$35.00} to wire money to them. My balance is very low. They also ARC the items ( ie turn the check into an ACH ) so their is not reason to not process this check. My account is current and never had a late payment and they can also see I have made a large payment the first quarter of every year to reduce principal.
Consumer complaint received 2020-04-01
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. (VA)

XXXX XXXX continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that XXXX XXXX reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. I sent a letter to XXXX XXXX disputing the validity of their entry and the mere fact that they did not provide any written communication to me prior to inserting the entry on my report. 
This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me. 
Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that XXXX XXXX has no intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not sending me notification prior to inserting this on my report, this entry must be removed from my credit report immediately.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im 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 COMMISSION or https : //www.ftc.gov 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 which 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 XXXXXXXX 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 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 XXXXXXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-03-22
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. (PA)

A company called XXXX  XXXX ran my credit on XX/XX/2020 without my permission. 
When I called the company they said another company called XXXX  XXXX   XXXX  asked them to When I called them they said they had no record of me at all but its on my credit report with transactions as a mortgage and I'm 120 days late at my current address. My current address is a rental property I dont have a mortgage.
Consumer complaint received 2020-04-01
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: EQUIFAX, INC. (LA)

Iam disputing the following accounts XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX DEPART EDU XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPARTMENT OIF EDU XX/XX/XXXX XXXX. These accounts are fraudulent. were done by theft
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

XX/XX/2019 my wallet is stolen.The perpetrator tried to open two credit card accounts under my name XXXX XXXX, I had the two credit cards removed from my credit history with Experian. I notice on my credit history a bankruptcy on my account under the name and a middle initial ( XXXX XXXX XXXX ), I had Experian and XXXX investigate this matter. My name is ( XXXX XXXX ),  No middle Initial. I called the bankruptcy court and i was informed that The U.S. Bankruptcy Court, XXXX District of California does not report information to any credit reporting agency. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 c ( a ) 1, XXXX and Experian are refusing to remove and delete this bankruptcy.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (GA)

I went online to get a rental car in XXXX  on XXXX with XXXX . XXXX set it up with a rental company call XXXX  XXXX. I use my XXXX XXXX credit card and it was all set. I fly to XXXX  and when I get to the rental company, it is close. So now I have no way to get to where I'm going. I went to another rental car company that was open and rented a car.When I get back a month later XXXX XXXX mastercard say that this is what I was suppose to have charge.But XXXX is tell me that they didn't put this on my charge.But for the last 5 to 6 months I have been going around with Barclays Bank Delaware about this charge and they are trying to say things from there is no cancellation, and that the XXXX  XXXX  got paid for the rental without me signing anything. Can you help me get to the bottom of this with Barclays Bank Delaware c/o XXXX XXXX mastercard. I have try every thing from talking to XXXX and XXXX XXXX  and it still on my credit card.
Consumer complaint received 2020-03-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Bank Of America. 
Their smallest accounts for Checking and saving carry a minimum balance of {$1500.00} and {$300.00} respectively. 
If you do not maintain the minimum balance they charge those accounts {$12.00} and {$5.00} respectively. This is predatory banking. 
They have charged these " monthly maintenance fees '' to my accounts for over 12 years. 
Bank of America has the most numerous banking facilities in my location compared to other institutions. 
I have contacted the bank over the years numerous times. They report there is nothing they can do.
Consumer complaint received 2023-02-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TSC Accounts Receivable Solutions (CA)

TSC Accounts Receivable Solutions has reported on my credit multiple times a month, this debit was taken off in 2019 for identity theft and now TSC has re-aged this debit on my account. I have sent them letters to verify the debit as well and have not received anything back. I have also contacted XXXX and talked with them about the issue and that it was taken off in XXXX. They were able to see this and also added a fraud alert on my account. They continue to call me and try to collect this debt.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: R.M. Galicia, Inc. (AZ)

Subject : Response to Fraudulent Activity Regarding Medical Collection Account To Whom It May Concern, I am writing to report a case of identity theft regarding a medical collection account listed on my credit report. The account in question is with " Progressive Management Systems '' and is associated with services supposedly rendered at " XXXX XXXX XXXX XXXX. '' I have no knowledge of this account or the services it represents, indicating that it is the result of identity theft. 

Upon reviewing my credit report, I discovered an outstanding balance of {$6600.00} attributed to this account. The dates of the reported services and actions taken by the company are unknown to me as they do not correspond with any medical treatment or interactions I have had. 

I have taken the following actions regarding this fraudulent activity : - Immediately contacted the credit reporting agency upon discovery of the erroneous information. 
- Placed a fraud alert on my credit reports with XXXX to prevent further unauthorized accounts or activities. 

It is crucial to rectify this situation promptly, as it is negatively impacting my credit score and financial reputation. I request that this account be thoroughly investigated by all parties involved, and any associated negative remarks be removed from my credit report.

Please do not hesitate to reach out to me for any additional information or verification required to assist in resolving this matter efficiently. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (KS)

XXXX 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 is 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX 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 is 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-08
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. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Ad XXXX XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX Bank XXXX XXXX - Account # XXXX XXXX - Account # XXXX The above accounts have 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, states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I just became aware that this debt with XXXX XXXX is still showing as a " collection '' item in my Experian report. I am trying to purchase a house and this reporting on my credit report is drastically affecting my rate. I never received a notice that the account with this creditor was in default nor that I had a missing payment. I never admitted that this collection account was mine, nor am I admitting that here, but I did however pay this collection account in full in XX/XX/2019. The creditor/and collection company agreed to remove the collection account off of all my credit reports ( Experian, XXXX, and XXXX  ) if I paid them the full amount they were asking. I did pay them the full amount they were asking, but they never followed through on their end to remove the account from  being marked as a collection account.
Consumer complaint received 2020-03-22
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 — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (GA)

Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (MT)

I have a XXXX XXXX XXXX Money Network card from my employer that my payroll is deposited to. On XX/XX/2020 5 unauthorized purchases posted to my account. Under the dates XX/XX/XXXX, I have charges for {$29.00}, {$1.00}, and {$120.00}. A charge on XX/XX/XXXX for {$14.00} and a charge dated XX/XX/XXXX for {$53.00}. I called the customer service department twice on XX/XX/XXXX to dispute the charges and asking for an explanation of the charges. I was told to call back in 7-10 days to allow the charges to clear and possibly I could dispute them. Id have to fill out a form, wait for them to investigate and it could be 90 days before Id see a refund, if they found the charges to be fraudulent. They refused to give me any information or an explanation as to how the charges were made without my card being swiped or anyone having access to my card or PIN numbers. Three of the charges are at a liquor store in NJ and I live in MT! They were rude, dismissive and kept asking if Id given my information or permission to anyone to use my card.