davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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. (PA)

I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of XXXX, XXXX, Experian speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX XXXX  in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report XXXX, XXXX, Experian is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

I have a collections account on my file that I have never done business with from NATIONAL CREDIT ADJUSTERS , L.L.C # XXXX. I DEMAND PROOF of OWNERSHIP on this unverified account or some type of verification. I have some fraud on my file so I am taking every precaution I can to protect the integrity of my credit file. This account is fraudulent I have never taken out an online loan or Payday type of loan.
Consumer complaint received 2019-11-18
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (MI)

On XX/XX/2019, I purchased a Money Order and mailed said Money order to my Pay-to addressee, Trustee Office-XXXX. Almost 10 days later, I received the Money Order back in the mail. However, the Trustee 's office had marked up or altered the Money Order, leaving it un-cashable. Upon attempting 11 time to Western Union, all 11 Western Union reps, could not communicate nor speak in a manner i could understand. The last 5 calls, I attempted to speak with a Supervisor and was forwarded to a line that just rang, never reaching a person or voice mail. I then attempted email and call to company complaints division and received an email from a XXXX XXXX, claiming to want more info. I emailed all 6 documents and attempted to contact Mr. XXXX, via the phone number he has attached to his email. The number was not valid? I also attempted the phone number given for Corporate offices ... XXXX. This number is also not in service? Claims to be a New Jersey? The Corporate number location states, XXXX Colorado? I hold a {$930.00} money order I can not cash or get a refund!
Consumer complaint received 2022-06-15
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. (TX)

This is my final dispute letter that I am sending before I take legal action against all XXXX credit reporting agencies. Attached is the letter along with the erroneous information being reported. If it is returned as verified I will be filing a lawsuit
Consumer complaint received 2021-10-22
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. (MI)

I have some unauthorized inquires on my TransUnion credit report that I want removed immediately. The details are included below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX I was advised of several high charges on my Bloomingdales store account. I contacted the fraud dept. immediately and we cancelled the store card. They would be investigating and sending a new card. Payments were on hold. I haven't used the account in over 2 years so I don't owe them ANYTHING. Another card arrives and not used but in XXXX I discover more fraudulent charges on the NEW acct. I contact them and again acct. cancelled. New card sent, under investigation, no payments due at this time. On XXXX XXXX, because I had autopay set up, they deducted full amount from my bank acct. {$3200.00}. I am still trying to get this back. I call almost once a day. They promise 3-5 business days it will be put back in my checking acct. This has been going on since XX/XX/XXXX and still my money has not been returned. I even had to fax them a copy of my bank statement to prove that they had taken the money from me. I do not feel very secure about them having my banking information. 
On XXXX XXXX I received a letter stating that they reversed the other charges from XXXX That was a day after they took the {$3200.00} from my bank. I believe these both were " inside jobs '' since it was only Bloomingdales store acct. affected, not the XXXX XXXX part of it, not the other store, XXXX XXXX, which is same XXXX. XXXX XXXX XXXX  company.
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

I noticed a collection notice placed on my Credit Report ( all 3 bureaus ) by a collection agency named Sequium Asset Solution on XX/XX/2019. The original creditor name is XXXX. This is not my account and I never received any collection calls from the collection agency or XXXX. 

I have no XXXX accounts so I reached out to XXXX, they said that they couldnt find any accounts under my name or the address i have lived at for the past 7 years. 

I then called Sequium Asset Solution at the phone # provided on the credit report ; XXXX. They couldn't find any account under my name or address either but they said they will get back to be. I didn't hear back from them so I called again and the same thing, they said they couldn't find any account with my information. I asked to be transferred to another department that could tell me more about this account. I was transferred to another department and they asked my for my SSN and other info. They still couldn't find any account under me. They asked me to fax them the Credit Report where is see the collection notice, i have been trying to fax them the credit report at the number they provided, XXXX, but that number is not accepting faxes. 

My Credit score has dropped by 100 points due to an account i never had and i am not sure how to get this resolved. The Collection agency has been of no help.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2019, I went to XXXX XXXX to reload my American Express Serve Green card. The transaction was denied, but {$500.00} was taken from my debit card. The next day I called the payment services of XXXX XXXX at XXXX and was told to call back the next day when the transaction posted to their database. The next day, the transaction had posted, and I was short {$500.00} on my debit card, and it was not in my Amex Serve account. I was called by a XXXX representative who told me to go to the store and that the store would issue a refund. I received my {$500.00}. But, Serve has had my account locked since XX/XX/2019. I have not been able to take funds off of my account, and they state that the account is under investigation. I have called their customer service multiple times and have not been able to get my account unlocked. They've stated it will be unlocked in 24-48 hours, but it has been almost 30 days. Finally, one person from Serve told me that I should get XXXX XXXX to write a letter stating the problem was resolved and mail it to the mailing address on Serve 's website. This was last week on XX/XX/XXXX, and it should've been mailed on the XXXX according to the District Manager of XXXX XXXX that I talked to. My Serve account is still locked with no way for me to access any of my funds that were on there previously.
Consumer complaint received 2019-03-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Breit Law Office, P.C. (SD)

Was given documents back in 2016 advising that I owed a loan that was taken out in my name. I called and the advised that I can dispute the debit which I did. I never had a response until the end of XX/XX/XXXX when my check is being garnished. I have reached out to the collectors, and they have REFUSED to send any docs showing that I applied for this loan. I reached out to a lawyer and they refused to send docs to him also. I don't know when the " loan '' was taken out since they will not provide any proof. I do know the loan amount was {$2600.00} and now with interest its {$10000.00}. As of today the have garnished my checks totaling in the amount {$670.00}. I need help to hand this. I don't think its far that a company can start garnishing wages, but wont provide proof. Due to the garnishment I haven't had enough funds to pay my rent and other bills.
Consumer complaint received 2021-10-22
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. (FL)

I was checking my credit report and I saw that my credit score is low. I don't know why you put this information on my account. I believe someone used my personal information and applied for this
Consumer complaint received 2024-02-28
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. (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 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 
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 2023-06-29
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. (NY)

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 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 2022-08-26
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: Experian Information Solutions Inc. (MO)

I have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/XXXX and XX/XX/XXXX. On multiple occasions I requested XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Consumer complaint received 2021-10-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OR)

I applied with a separate company on XX/XX/21. From XX/XX/21 forward, I have received calls every day multiple times per day from Amerisave Mortgage which is not the company I am working with and Amerisave Mortgage refuses to stop calling. I have told them every day that I want to be removed from their list and they continue to call the next day. This harassment is both unprofessional and illegal. I have blocked their number and they call from a different number. I have never inquired with them and they have never disclosed specifically how they received my information. I just want the harassing calls to stop.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

I did a XXXX transfer of money just like I've done for years and it still isn't in my Mountain America Credit Union account. It was on XX/XX/XXXX for {$590.00}, I even paid a {$9.00} fee to make it an instant transfer to pay my mortgage, and now have an over draft charge and this will lead to more overdraft charges for my auto pays if its not there very soon. I spent hours on the phone with XXXX, and they say it went just like it always has with no issues on their side. XXXX suggested I call Mountain America Credit Union, so I did, and spent hours with them saying they can't find my {$590.00}. I have proof on the XXXX side that I receiced the money and it was transferred to my Mountain America. Neither institution admits to having my money. I don't know what to do to get my money in the bank to cover my obligations. 
Please help me! 
Thanks
Consumer complaint received 2020-11-06
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: ALEXANDER-ROSE ASSOC, INC. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2022-10-19
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-12-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am no longer an authorize user on XX/XX/XXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been in contact with company since XXXX of 2022, company was supposed to remove late payment from credit report when account was in current. Account is current and still reporting late information.
Consumer complaint received 2020-11-06
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. (NV)

These are not my accounts. I have never lived at the address where some rental place is saying. I am a victim of identity theft. I have provided my personal documents with my information and I can assure you that I am not a mortgage company nor am I a credit repair company.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX I noticed a charge for {$19.00}, XXXX dollars and XXXX XXXX cents, on my credit card, posted on XX/XX/XXXX. It was from TransUnion.

In XX/XX/XXXX, I went to their website, www.transunion.com, to check my credit score. They propmpted me through some questionnaires, and they asked for my credit card number. I was under the impression that I may be charged a small fee for the credit check. However I was unknowingly roped into a costly credit monitoring service. TransUnion set their website up in such a way that you can not reasonably avoid monetary damages or deceptive practices.

I called TransUnion as soon as I noticed the charges on my bank statement. They refused to refund both charges, one from XX/XX/XXXX and another from XX/XX/XXXX. I fought with them on the phone for about 10 minutes, and was only able to get one charge refunded.

They use obvious deceptive practices, by using fine print well below an average scrolling point for most browsers and computer screens, it's even too low on mobile devices. The most important details were not listed in an up front and accessable way.