davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (FL)

A FRAUDULENT APPLICATION FOR A CREDIT CARD WAS SUBMITTED TO XXXX  XXXX BANK ON XX/XX/year>. I REPORTED THIS AS FRAUD IMMEDIATELY TO XXXX  XXXX. THIS RESULTED IN A HARD INQUIRY ON MY CREDIT REPORT. I HAVE DISPUTED THIS WITH ALL XXXX CREDIT BUREAU 'S BUT TRANSUNION REFUSES TO REMOVE IT. I HAVE REPEATEDLY CONTACTED XXXX  XXXX WILL NOT PROVIDE ME WITH ANY DOCUMENTATION THAT THIS APPLICATION WAS FLAGGED AS FRAUD. HOWEVER, THEY KEEP TELLING ME THAT THEY SUBMITTED DOCUMENTATION TO THE CREDIT BUREAU 'S AND REFUSE TO PROVIDE ME ANY DOCUMENTATION. I HAVE REPEATEDLY CONTACTED TRANSUNION AND THEY KEEP TELLING ME THEY HAVE NO DOCUMENTATION AND/OR IT COULD TAKE UP TO 90 DAYS. HOWEVER, IT IS WELL BEYOND 90 DAYS AND THE INQUIRY IS STILL PRESENT.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/22, fraud activity detected and reporter on my checking account for the amounts of {$400.00}, {$350.00} and {$350.00}. Only XXXX amount of {$350.00} was deducted from my checkings account. I reported it to Wells Fargo claims department and I was given a claim number to follow up on this. I was reassured by people on the phone as well as people working on my local Wells Fargo that these things happen but are very easy to resolve and get your money back. I called today, XX/XX/22 to follow up on it since the amount of {$350.00} had not been reimbursed to my account and after talking to multiple people and being on the phone for XXXX min, the guy told me that the investigation rejected my claim and that I was not going to get my money back. No explanation given and when I asked for a supervisor or someone else I could talk to about this, he said that there was no one else I could talk to and even if there was, it was not going to make a difference, the decision was made. 

This is my first experience with fraud activity in my accounts and I have been a Wells Fargo customer for the last 15 years. To say I am beyond disappointed and frustrated with them, is an understatement. This is hard working money that they are disregarding. At this point I am considering switching banks as I don't feel like I can trust them with my finances if they will not support me when fraud activity is happening. 

I have letters from Wells Fargo regarding my claim, however, they contain my personal information. I am able to provide these if they are needed in future steps.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-20
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. (TX)

I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXXXXXX Sales Financing Company Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2021-10-20
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. (TX)

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX  XXXX/XXXX  XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  Complete Department XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX 2019
Consumer complaint received 2018-04-25
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)

I took a look at my credit report and noticed several inquires as well as accounts and addresses that I did not authorized. I did notify my local police department upon checking my credit report, and have reached out to all credit bureaus about these accounts with not much success. This situation has caused me financial and emotional stress. I would like the fraudulent accounts removed from my credit profile immediately. Below I will list the fraudulent accounts found on my Experian account ACCOUNT : XXXX XXXX   BALANCED : {$800.00} ACCOUNT OPENDED:XX/XX/XXXXACCOUNT NUMBER:XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$6200.00} ACCOUNT OPENED : XX/XX/XXXXACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$3800.00} ACCOUNT OPENED:XX/XX/XXXXACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : {$4100.00} ACCOUNT OPENED : XX/XX/XXXXACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX  ACCOUNT OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : {$4400.00} ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX  ACCOUNT OPENED :XX/XX/XXXX ACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : {$2400.00} ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX  ACCOUNT : XXXX XXXX XXXX   BALANCE : XXXX ACCOUNT OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX  Fradulent Address : XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX  Fraudulent Inquires : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  ,
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery bought a bad debt that was made by another individual to XXXX using my credentials. Tried to correct this with XXXX  to no avail and decided just will not pay the claim. Portfolio reps have been calling me after I repeatedly asked them to cease calling me to collect and they have made threats of all kinds. I am a XXXX   veteran with XXXX and live on very little money. I will not tolerate this much longer from these individuals.They have called consistantly from XX/XX/XXXX through XX/XX/2018 which is today on my cellular number. This has to stop NOW!
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affiliated Collection Services, LLC (NJ)

The hospital is trying to collect a debt, the insurance company paid the hospital bill. 

On the Explanation of Benefits states. 
" PAYMENT FOR THIS SERVICE MAY HAVE BEEN REDUCED. THE SERVICE WAS DONE BY A NETWORK PROVIDER. THIS MEANS THE PROVIDER HAS AGREED TO ACCEPT THE CONTRACTED AMOUNT, LESS ANY PRICING CHANGES DUE TO MODIFIER ( S ) THAT MAY HAVE BEEN SUBMITTED ON THE CLAIM, AS PAYMENT IN FULL '' The hospital is an in-network provider and should not be charging me any amount
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Capital (WA)

This company- Direct Capital continues to Robocall my phone number. I am NOT on a debt with them, nor am I the person they are trying to contact. They continue to hang up on me when I ask them to stop calling me and will not remove my information from their calling queue. I have reported them previously for disclosing the nature of the debt to me when I am NOT their debtor. It is a violating to robocall a cell phone that is not provided to them as the debtor
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (WY)

After a minor audit we identified unknown fraudulent charges and reported it to my credit card as soon as possible. This was first reported on XX/XX/21. Ever since my first reporting this I have attempted to speak to someone again multiple times, at least 4-5 times and I am never able to get someone that can answer any questions. I get transferred from representative to representative and put on hold for hours at a time. Honestly, HOURS!! 
We are now looking at more than 4months almost 5months since first filed. I did recv a letter from them once to call them and when I tried, there is no one that has anything that can help and they just keep me on hold. As of today, I have not had any further communication regarding my claim. 
I truly think they expect me to just give up and forget this since I'm XXXX  But this is my credit card and they are suppose to protect and help me. That's a joke. 
I had fraudulent charges on my account and I want to be supported. If I don't hear back from this claim I will make sure everyone I know has knowledge of my experience and I will tell them not to work with XXXX because they don't support their clients, they seem to hide behind the hold music. Especially the elderly, its unacceptable. I cant keep holding for hours and not get anyone that can help me. So disrespectful!.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX, Experian and XXXX are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.
Consumer complaint received 2018-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute with trans union on XX/XX/2017 and it is still pending. It is with XXXX XXXXXXXX XXXX. I had sent XXXX XXXX an affidavit of fraud as well back then and they have not gotten back to me as well. I can not file any other disputes at this time because this is taking so long.
Consumer complaint received 2021-10-20
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. (TX)

I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX  Sales Financing Company Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/2020 2020
Consumer complaint received 2021-10-20
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)

I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX XXXX XXXX  XXXX  Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Credit Cards Inquiry XXXX XXXX XX/XX/2020 XX/XX/XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX, XXXX and Equifax are reporting inaccurate information on my credit report which is decreasing my score. With my score being lowered, I can't be approved for loans or credit cards. The inaccuracies including late payments, open accounts that doesn't belong to me and inquires which are fraudulent.
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: MicroBilt / PRBC (formerly CL Verify) (GA)

MicroBilt Corporation/Payment Reporting Builds Credit ( PRBC ) XXXX XXXX XXXX XXXX, GA XXXX Attention : CONSUMER RELATIONS I.am writing you to REMOVE the security Freeze on my Consumer Disclosure report. Under the Fair Credit Report Act, you to comply. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : see attached verification MY FULL NAME : XXXX XXXX MY SOCIAL SECURITY NUMBER : XXXX MY DATE OF BIRTH : XXXX MY CURRENT PHONE NUMBER : XXXX MY EMAIL ADDRESS : XXXX After this SECURITY FREEZE has been removed please send me written confirmation to the address listed above and via email due to snail mail! 
Thank you for your assistance in this matter.
Consumer complaint received 2018-12-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted disputes to Transunion regarding some items that are incorrect, they completed an investigation however the items remained. How can they remain if they are incorrect, I have successfully been able to remove from the other reporting agencies.
Consumer complaint received 2018-04-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (OR)

EOS CCA have called my number XXXX XXXX XXXX several times which is my only contact phone number, usually call from a local number probably to try and get me to answer but I don't answer any number I don't know. Called back a couple times and the lady just said hello and nothing else stating the company, I think one time she said my name right after answering. I looked up number to find complaints from people to find out who the number belonged too. I did get an automated voice recording one time I called back that said EOS CCA. If they are calling for me which I assume they are or my mother XXXX who lives me then I have no idea why because nothing has came in the mail from them stating any debt owed and that it was with them. Nothing. No one is going to pay on a debt or even talk to someone about a debt that they have no idea what it is or have not received notice in the mail. Tried to send message from their website but it won't send.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with credit bureaus but still shows wrong information.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (FL)

On XX/XX/2022 I needed to get an emergency car repair and I used my Avant credit card to cover the expenses. The total of the bill came up to {$450.00} and I had {$500.00} available credit because I had recently paid the account balance in full by making a payment of {$500.00} on XX/XX/2022 after making on time monthly payments and paying the balance in full several times. I called the credit card company of which I was told that my credit limit was decreased and I currently had a credit limit of {$300.00} and that they could not tell me the reason for the decrease although I had a {$0.00} account balance. I requested a supervisor and the agent disconnected the call. I then tried to use the card for the {$300.00} available limit and the card was declined and I tried to use the card for {$250.00} and the card was declined again. I called the credit card company again and requested to speak to a supervisor again and when I was connected to the supervisor I was notified that she could not tell me why my credit line was decreased but I would receive a letter in writing notifying me of the adverse action that I would receive in the mail in XXXX days and that there was a block on my card because of the declined {$450.00} transaction. The supervisor removed the block from my card and I made a complaint against the company. I then completed a partial transaction for {$300.00} with the unblocked available credit and I then logged into my online account and I noticed an over the limit fee and additional fees are still pending. I was not notified of the adverse action or the change in terms of the fees.
Consumer complaint received 2022-10-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NJ)

On XX/XX/XXXX, after much frustration with inaccurate information from my mortgage company, and after filing a detailed complaint here I received, in writing, a promise to honor a lower interest rate on my recent loan modification at 4.72 %. At that time, the representative who identified himself as a XXXX XXXX XXXX ( XXXX XXXX I believe ) stated that new documents would be expedited and sent to me within approximately 2 weeks. After several calls to follow up on this, and after being told various things ( including that the underwriters would draft a new agreement with the original 4.0 % interest rate ) a representative escalated my call and I spoke to a XXXX XXXX who assured me that he would get to the bottom of the issue and that I would hear back directly from him within a matter of days. That was on XX/XX/XXXX and I still have not heard anything. I did verify my contact information with him before ending that call. The original response to my first complaint is documented in this forum. I want them to make good on that offer as through no fault of my own, I was unable to take advantage of the lower interest rates due to non-delivery of time-sensitive documents on multiple occasions.
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (IN)

I was given a debit card I never asked for by Paypal. I think someone might have opened an account in my name. Paypal said they couldn't do anything without the debit card number. I shredded the card already though. 

I already had to close a credit account someone opened in my name with Paypal in the past. Even after Paypal closed the fraudulent account and knew the account wasn't mine they sent a collection agency after me and I had to tell the collection agency I never opened the account. 

Very frustrating that after I have already had one fraudulent account opened in my name Paypal is doing nothing to prevent it from happening again.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

According to XXXX, on or about XX/XX/2018 the collections account was deleted off my credit report. Shortly thereafter, the collections account was added back by the creditors. I've asked them to again remove the account from my credit report again. Please have them permanently remove this account from each of my credit bureau 's report.