davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

I am writing to dispute fraudulent charge ( s ) on my credit report in the amount of {$680.00}. I am a victim of identity theft, and I did not make these charges. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. In addition, under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. I requested Debt validation which was to include the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? A complete payment history, starting with the original creditor.

3. Documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. Please investigate this matter and send me a written explanation of your findings and actions.
Consumer complaint received 2019-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After having excellent credit for 25 years, my bank recently informed me that my credit score with TransUnion ( " TU '' ) had dropped dramatically. They recommended that I review my TU credit report to understand why. I did so and found out that an " Adverse Account '' had been posted on XX/XX/19 by XXXX XXXX XXXX XXXX, a debt collection company, claiming that I owed {$1200.00}. Since I never heard of XXXX, I immediately filed a complaint with TU. Within a week, TU wrote back and stated that XXXX had confirmed that the amount was owed and, therefore, the " Adverse Account '' would remain on the credit report until XXXX removed it. TU suggested that I contact XXXX to resolve the matter. I called XXXX on XX/XX/19 and, after just a few minutes, it became very clear that this was a scam. The TU rep told me that if I paid them the full amount due ( or a reduced amount of {$760.00} XXXX they would remove their claim with the credit agencies. HOWEVER, XXXX could not produce ANY facts about when, who or why I owed this money. I checked out XXXX with the XXXX. Their accreditation has been " REVOKED '', their rating is " F '' and there have been 878 complaints about them in the last 3 years. My credit has been damaged by this scam. TU should be VERY SKEPTICAL about ANY claims lodged by XXXX.
Consumer complaint received 2023-01-13
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: DISCOVER BANK (CA)

I have hard credit inquiries on my credit report that I didnt authorize. I need ALL of them removed since I was a victim of identity theft ; 15 U.S.C 1681G Law violation.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called Transunion multiple times on XXXX. I received inaccurate information from the representative XXXX that day that the matter would be escalated, investigated and I would receive a call back. I missed the call back and called transunion back on XXXX to get whatever the update was that they called to give. I had to call approximately 6 times because each person I connected with disconnected the call and failed to call me back as promised. The last call with a new representative was extremely frustrating as she was not making sense in the call. I was then transferred to a supervisor who I thought would be able to assist however I was met with a supervisor who was abrasive, rude, unprofessional and who completely failed to empathize with my circumstance. She tried to completely disregard the incorrect information I received and was more focused on ending the call than trying to resolve the issue. The problem I have is that TRANSUNION has received the same information in XXXX that they received again in XXXX and my score has decreased twice because of it. It is the same exact information submitted to the other credit agencies however they have no explanation why something that is the same XXXX information provided in XXXX that lowered my score is the same information provided again that lowered my score again in XXXX. Important to note that XXXX is reporting that it was late but not taking responsibility for them and the inaccurate information I received being the reason why it was late. The payment was late but due to their representatives and the wrong information I got for the months prior. Not only is the information on my account negatively impacting me twice for the same notation but I was also met with the most frustrating unprofessional experience contacting their services for help. They just further added to the stress and frustration. I only have 1 mark on my credit score with them and it should not have resulted in the current outcome. I am extremely stressed by this situation as it directly affects my livelihood and they are extremely insensitive and unprofessional in handling these sensitive matters with consumers. I need this resolved and that Transunion held accountable for heightening a stressful situation and making it even worse to deal with! The supervisor for Transunion wanted me to spend money to get the same information I had and I believe Transunion uses their power to get money from consumers! They know they control something meaningful to people and make it intentionally difficult to get help so that they get you to spend your money on their BOGUS services. No other credit agency has done that! They are crooks and unethical!
Consumer complaint received 2024-03-07
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. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}
Consumer complaint received 2018-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I sent a wire transfer of {$27000.00} on XX/XX/XXXX, to Coinbase/XXXX. As of XX/XX/XXXX, it has still not been credited to my Coinbase/XXXX account and it has also not been refunded to my bank account. 

I filed a ticket with my bank ( XXXX ) on XX/XX/XXXX to have the wire recalled. Since that date XXXX has sent more than 20 messages to Coinbase 's bank and none of them have received a reply. 

I have also filed online tickets with Coinbase 's support ( case ID : XXXX ). After waiting several weeks, these inquiries have all received a form-letter response, after which my support ticket was closed. I have re-opened the ticket requesting more information, but have received no response. 

According the form letter, my wire was apparently rejected. The form letter says that all rejected wires " will be returned to the originating account after several business days ''. 

It has been more than 1 month since my the wire was sent, and there is still no sign of the funds being returned to my bank account.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Dear Sir/Madam, In early XXXX 2019 we made a trip to XXXX, renting a vehicle from XXXX XXXX XXXX  in XXXX, The XXXX. 
We returned the car on XX/XX/XXXX. without any trouble, after an overnight stay at a local hotel. As my wife has trouble walking after a XXXX XXXX, we parked on a hotel parking XXXX place, displaying our XXXX placard from the rear mirror as usual. This has never been a problem on this trip. 
On our return home, we noticed on our credit card bill a charge of {$460.00}, from the rental car company, as a fine from the local police for parking in the wrong spot. 
We learned later that the rental car owner gets the fine and is supposed to re-charge this to the customer. 
XXXX XXXX  send us an invoice, explaining that there is a system of appeal if you believe this is not correct. If you lodge an appeal to the local authorities, their website explains that NO PAYMENT is required as long as the appeal has not been decide by a local judge. We immediately informed XXXX XXXX  of our decision to lodge an appeal and questioning their reasons for paying prematurely. 
We also disputed this charge with the credit card company, Capital One. 
Last week we received a letter from the local authorities in The Netherlands that our appeal had been found valid and no fine and/or administrative costs had to be paid.All documents, with translations where necessary, have been sent to Capital One, which they acknowledged. 
We immediately informed Capital One of this course of events with the request to reimburse our account as soon as possible. 
This morning, we received a phone call from Capital One that they can not do this because the merchant ( XXXX ) has not told them to do so. A phone call and two emails to XXXX also went unanswered. Now we are between a rock and a hard place, and we would like you to intervene with Capital One to make us whole again. Thank so much.
Consumer complaint received 2022-05-04
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)

I have some accounts on my credit report that is a result of identity theft I've disputed it and also sent in my FTC identity theft report to let them know and they didn't even give me any results or investigate the account correctly
Consumer complaint received 2019-07-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (MD)

I was having hardship for along time this vehicle was a car that was purchased for my husband by me and my dad. My husband was making the payments on time until he had to go. The payment was {$700.00} dollars something I could not afford plus all the other bills that I had along with my own car payment and insurance. My husband was incarcerated in XXXX. I tried my hardest to keep up with the loan and other bills. By XXXX I was drowning in debt. The car was repossessed and I believe the account has been closed and charged off. I've been trying to get this removed from my credit report.
Consumer complaint received 2019-09-30
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. (FL)

I am in the process of purchasing a property. While reviewing my credit I noticed things on my report that are not mine. Please delete it as soon as possible so that t I can move forward in my process. I've contacted you all before and this remains on my report : XXXX XXXX
Consumer complaint received 2019-07-22
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: EQUIFAX, INC. (MO)

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Consumer complaint received 2019-09-30
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. (NC)

After numerous attempts to try and fix fraudulent addresses, names, and accounts on my credit report from Transunion, XXXX, and XXXX, I haven't had any results or verification from anybody. The only name that should be on my credit report is XXXX XXXX XXXX. The only address that should be reported on my credit reports from all 3 bureaus should be as followed : XXXX XXXX XXXX, XXXX NC XXXX. All these other addresses are fraudulent. These fraudulent accounts need to be removed they are not mine and they won't investigate my claims. These are the fraudulent accounts as follows : 1.XXXX XXXX XXXX acct XXXX XXXX 2.XXXX XXXX XXXX acct XXXX XXXX 3.XXXX acct # XXXX 4.XXXX XXXX XXXX acct # XXXX acct # XXXX
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

Enhanced Recovery Company has re-added an account for XXXX that I previously disputed to your agency with success even though the account was already removed from my credit profile. 

XXXX XXXX XXXX deleted this account from my profile on XXXX XXXX, 2020 yet ERC continues to re-add this account to my profile incorrectly and illegally, XXXX also keeps incorrectly verifying this account as being accurate as well when they have previously removed it.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (VA)

A debt of {$42.00} was placed on my credit report for something that they claim i've owed since XX/XX/2013. The collection agency is Ability Recovery Services LLC and the client name is XXXX  XXXX XXXX XXXX. I have no idea what this is. I looked it up to see where the company was and I'd never been to either location. I never got a bill. I never got an explanation of charges. Only this negative mark on my credit. XXXX XXXX and XXXX   have deleted this debt. XXXX  did not. I need this removed ASAP as I am in the process of purchasing a home.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (DC)

I am not aware of this debt but the company keeps calling me on my work phone and then my cell phone several times a day. I asked them to send me something in which I still havent received anything. My Supervisor is also getting tired of the many phone calls!! I also asked them to stop harassing me and I plan on disputing the matter
Consumer complaint received 2019-07-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (AZ)

Called Wells Fargo ( WF ) in XXXX to do a rollover of my XXXX into XXXX XXXX as I have a new employer. Received check a few weeks later, and sent into XXXX. No issues. 

Logged back into my WF account mid XXXX, and realized there will still funds in my XXXX after I had done a full rollover. Called WF, spoke to a helpful person who explained : 1. I had gotten a dividend, and would still be receiving another company match first thing in XXXX, and that I needed to wait, and call in after the first week of XXXX where I would then do a final rollover request and get one more check for XXXX, before XXXX out the account. I asked if there would be tax implications, and was told here would not be. I set a calendar reminder to call WF on XX/XX/XXXX. 

I received a check on or about 7/8 for the reminder of my XXXX less taxes ( {$190.00} ) in a form of a check made out to me individually. I immediately called WF and was told there was nothing they could do about it, it was policy to send a check to the individual if it was less than a certain amount. I explained what I was told by the representative in XXXX. They said they would investigate my complaint and call me back within few weeks. MY complaint was that I had been explicitly told to do something, and before I was able to do it on the date I was told to do it on, XXXX took out {$190.00} in taxes which I should not have to pay because I intend to roll this money into a XXXX. 

Received a call back on XX/XX/XXXX from WF rep. He stated he listed to my recorded call and the woman did tell me to call back and request a rollover, but my money was immediately sent out instead of being held in the account so I could ask for the rollover. I asked how I could get the {$190.00} refunded and the check reissued to XXXX for the rollover. Was told there is nothing they can do about it. Also suggested to open an IRA to get around tax penalty. Asked if WF would pay for IRA opening and account fees, as I do not have and IRA, I have a XXXX only. They said they could not. 

I was told I have to write to the plan administrator, who would not be able to help me as they sent a disclosure which said any funds left in the account will be sent to individual and not done in a rollover. I explained that is not what happened, I was told to do this by the representative after receiving those disclosures. I was told to do something different than the policy from a person working there who said it would be okay, and I will still penalized the {$190.00}. 

I am asking for CFPB to intervene, and have WF reimburse me the {$190.00} as they provided incorrect information which led to a tax penalty which is avoidable were it not for their providing inaccurate information when I called in XXXX and early XXXX to resolve this issue.
Consumer complaint received 2019-07-22
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: Experian Information Solutions Inc. (CA)

I HAVE BEEN IN CONTACT WITH XXXX FOR THE LAST YEAR OR SO ABOUT THESE FRAUD ACCOUNTS AND THEY STATE THEY WILL DO A INVESTIGATION AND THEN THEY RETURN WITH THE ACCOUNT IS MINES, HOW CAN A ACCOUNT BE MINES WHEN I SUBMITTED VERIFCATION OF MY ADDRESS FOR THE LAST FIVE YEARS IN XXXX, AND THE ACCOUNTS MAILING ADDRES WAS XXXX. I HAVE SUBMITTED POLICE REPORTS SIGNED DOCUMENTATION WITH MY SIGNUTURE IN FRONT OF A NOTARY.I HAVE BEEN GETTING NO WHERE WITH THEIR COMPANY THEN THEY SAID I WAS BEING HANDLED BY THE SPECIAL INVESTIAGATION TEAM AND THATS XXXX BECAUSE THEY DID NOTHING DIFFERENT THAN BEFORE. I HAVE BEEN DISPUTING THE SAME ACCOUNTS FOR MONTHS AND ITS BECOME UNBEARABLE THAT THEY HAVENT CORRECTED THE ERROR. XXXX XXXX XXXX XXXX XXXX, XXXX, AND XXXX XXXX  ALL ARE FRAUD ACCOUNTS