davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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. (ME)

I am a XXXX working in the XXXX XXXX since XXXX. Before that I was in XXXX, XXXX XXXX and the XXXX working since XXXX. 

I respectfully request your assistance to have several trade lines removed from my credit profile. XXXX XXXX and XXXX XXXX, in behalf of XXXX XXXX is reporting a charged off account for me which were opened by a 3rd party without my knowledge or consent. I have made a good faith effort to resolve the issues with the bank and with the Collection Agency During a routine security clearance check in XXXX, the listings were discovered. I have been attempting to resolve this with companies since last XXXX, XXXX. 

I will lose my job if I dont have my security clearance restored. 

I am including my permanent address in Maine ( were my father lives ), along with my drivers license for XXXX and XXXX showing I have lived in XXXX and XXXX full calendar since XXXX. 

Please advise who I can call to resolve this. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-12-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation (NH)

Private " XXXX '' loans offered by VSAC requiring filling out a paper deferment eligibility form every 3 months which requires a phone call to VSAC to request and several weeks to wait for arrival. However, as I 've repeatedly notified VSAC, I am full-time student as the student national clearinghouse reports until XXXX 2016 with {$0.00} in annual income. Regardless, VSAC requires this form be completed every 3 months for this loan only, while other loans do not require this. This puts an undue burden on the borrower, and requires that I continually call into VSAC every 3 months to go through the same process repeatedly, increasing the likelihood of missed and/or late payments on my part.
Consumer complaint received 2021-10-19
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: JPMORGAN CHASE & CO. (PA)

About 2 months ago, I received a call from Chase informing me that a new card was ordered in my name and wanted to know if it was me. I told them it wasn't me. I thought it was the end of it. This morning, I saw a {$400.00} withdraw from Chase on my XXXX  XXXX XXXX account. When I called Chase, they informed me of a zillion  of charges on that card I didn't order. They said that they will consider those charges like fraud and therefore, I am not responsible for any of them. 
I am reaching out to you in order to report that.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

Comenity Bank had an " upgrade '' in XXXX which resulted in many issues that they didn't anticipate & much more than they could handle. For over 2 wks I wasn't able to review my transactions. For months I was missing rewards points. But above all this, I made a payment my regular way via online bank payment on XX/XX/XXXX in the amt of {$6100.00}. I have been a customer since XXXX and pay my entire balance every month. Comenity still has not credited this amt to my acct. They have charged late payments to my acct & interest. 

I 1st called on XX/XX/XXXX and was told to follow up on XX/XX/XXXX. I sent email on XX/XX/XXXX & received a response on XX/XX/XXXX ( see attached ) I called again on XX/XX/XXXX & sent email as no timeline could be provided & received response XX/XX/XXXX that they can confirm dispute filed XX/XX/XXXX however resolutions may take up to 90 days ( see attached ). 

I called on XX/XX/XXXX and was told my payment went to an old acct # ( prior to the upgrade old acct # s got mapped to the current acct # therefore in the past never had this problem ). I sent email on XX/XX/XXXX with info including trace # from my bank. I received a response XX/XX/XXXX that they will not report me as delinquent & may take up to 90 calendar days. ( see attached email & bank info ) There have been multiple calls by my husband & I along with multiple secure messages that I was encouraged to send. 

At the end of XXXX Comenity requested an Electronic Transmittal Form from my bank. 

I sent on XX/XX/XXXX ( see attached email & Electronic Transmittal Form ) I called XX/XX/XXXX and they can not provide my any further info or a timeline & suggested that I write a ltr.
Consumer complaint received 2022-10-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Specialized Collection Systems, Inc. (TX)

Several written requests were sent to this company demanding hippa release, proof of license to collect in my state, proof that alleged debts are transferable etc. No reply was ever received. Further more, debts have exceeded statute of limitations but collector Keeps ILLEGALLY resetting the date. Original accounts are over 7 years old. They refuse to delete from my credit report and refuse to provide requested information. Letter was sent over 90 days ago with no reply. Proof of written request attached.
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

LoanCare failed to pay my Oregon property tax in XXXX of XXXX. I contacted them regarding this issue as my Escrow account had a surplus of over {$2000.00}. They were unable to tell me why my taxes were not paid. In addition, they did not correct this timely therefor I am being penalized on my 2020 income taxes as I can not claim any amount paid for property taxes. I was never notified by my mortgage company that my escrow payment did not go out. I was only notified after getting a past due statement from Lane county.
Consumer complaint received 2023-05-24
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)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$49.00XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : $ {$2100.00} ; XXXX XXXX XXXX Balance XXXX {$120.00}.
Consumer complaint received 2022-10-16
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-24
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX
Consumer complaint received 2019-06-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

We have been called multiple times by Midland Credit. We keep telling them they have the wrong number. We do not have any outstanding debt to anyone. 

Most recent calls : XX/XX/XXXX XXXX XXXX  from XXXX XX/XX/XXXX XXXX XXXX  from XXXX XX/XX/XXXX XXXX XXXX from XXXX XX/XX/XXXX XXXX XXXX from XXXX We've tried blocking their number, however, they just call again using a different number.
Consumer complaint received 2020-02-09
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: Motolease, LLC (TX)

Moto lease is reporting on my credit bureau that I had a loan or lease with them and it was repossessed I have try to get them to remove it from my credit because I never had a loan with them or authorize a loan with them they wont provide proof that I open a loan With them on top of that I dont have a motorcycle license so how can I drive it Show proof or Remove from all my credit burea because this is fraud and I never opened account and I should be penalized for it I just had to have my credit report fix because it got tied to someone else in California showing I had credit cards and multiple auto loan and a home loan
Consumer complaint received 2021-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (FL)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CAINE & WEINER. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2018-04-20
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. (AL)

Transunion has violated the FCRA law ... And they are erroneously reporting information on my credit file that they have obtained from a third party source. They have not provided any proof that their information is either court ordered or has any authorization bearing my signature that they report directly to the Bankruptcy Courts or Public Records. It is defamation of character as well.I plan on seeing this through until I get a favorable response according to the laws of the FCRA.
Consumer complaint received 2023-05-24
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. (MD)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-04-20
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. ()

I noticed 2 collection accounts being reported on my credit file incorrectly. I requested an investigation be done by the 3 credit bureaus XXXX, Transunion, XXXX. I also contacted the alleged collection companies who were making a claim that these debts were accurate and were mine. I requested valid proof that these accounts belonged to me and that I had a legal obligation to pay them said alleged monies. One of companys since then has closed one of the accounts and stopped reporting to Transunion. The other alleged collection company has stopped reporting to the the 3 credit Bureas but still continue to harass me without providing any valid proof that these accounts are mine and I would like these false claims deleted from the 3 Credit Bureas and from my credit file permanently.
Consumer complaint received 2018-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (NY)

I opened a Blue Business Card.

Amex said I have 15 months of 0.0 % interest on balance tranfers and new purchases.

Instead they are charging me 15 % interest.

I have called about 5 times to solve the problem.

They say they are investigating. .. but it has been 4 months.
Consumer complaint received 2018-04-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OR)

My first contact with TransWorld Systems was in XX/XX/XXXX when they called my XXXX year old mother in NY state while I happened to be visiting. I live in XXXX  OR and there is no reason why they should even have this phone number. I would never give it out, its not where I can be reached, and I shudder to think to what extent they violated my privacy and personal background to get it. I was told they got it from the creditor which is a flat out lie.

I gave them a payment of {$95.00} which cleared my bank on XX/XX/XXXX. The creditor, XXXX XXXX XXXX XXXX in XXXX OR, as of XX/XX/XXXX has not received this, and at this point I dont know if they ever will. I called the TransWorld number on their paperwork and the call could not be completed while my cell phone displayed it as FRAUD. I got an Oregon number for them from the creditor, and the person who answered claimed this was not the right dept. and gave me the same number that I previously called. In other words, I have no way to even contact these people.I am increasing nervous that a shady company like this has my bank information and i certainly dont want them using phone numbers they should have no access to.
Consumer complaint received 2022-03-25
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. (FL)

In XXXX with the fair credit reporting act convergent acct # XXXX XXXXXXXX XXXX XXXX paid off and needs to be deleted from the credit report, Also XXXX was also closed and settled and needs to be deleted from all three credit bureaus. Both My XXXX XXXX 's Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus. 
15 U.S.C 1681 Section 602A states I have the right to privacy, 15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction. 

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

Thanks XXXX XXXX
Consumer complaint received 2018-02-23
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. (FL)

the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX   XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX # XXXX {$1000.00} 10.XXXX XXXX  # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14.  XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is XX/XX/XXXX
Consumer complaint received 2022-03-25
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. (FL)

On XX/XX/XXXX there was a credit inquiry made on my report by XXXX XXXX XXXX. I did not authorize this inquiry, nor did I or any one that I know give permission for this inquiry. This inquiry is fraudulent and is being investigated.
Consumer complaint received 2023-05-24
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. (MO)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00}.
Consumer complaint received 2022-03-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY.
Consumer complaint received 2020-02-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im an listed as Payable on a death of my mother account at Bank of America. According to the companys website, I went to a branch after her death to submit the death certificate and close the account. I went to the branch on XXXX XXXX XXXX  in XXXX. 2 employees there refused to help me. The account is frozen and they told me I need an appointment, but couldnt tell me when someone would be available to make an appointment with. This seems incredibly fraudulent to refuse to meet with me at all, let alone turn over the account funds to me.
Consumer complaint received 2021-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

on XX/XX/2021 my PNC Bank online banking was hacked and a fraudulent wire was sent for {$19000.00} from my account. The bank investigated and said there was no error on their part and wont refund the fraudulent transaction. In a XXXX sentence letter they said the case is closed and I am out {$19000.00}. This is beyond unacceptable and caused a multitude of hardships in my life.
Consumer complaint received 2021-02-16
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. (NY)

Im a victim of identity theft theres 3 inquiries on my credit report that doesnt belong to me and for some reason its not being removed the company names are. XXXX, the next one is Equifax MTG and also XXXX XXXX. I have never requested any credit from those companies
Consumer complaint received 2019-06-26
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: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX are reporting incorrectly an account balance on the XXXX XXXX account number *XXXX. ( Please see page 6 of the attached credit report. ) This account has been paid. I have attached a copy of the letter from XXXX XXXX XXXX dated XX/XX/2019 stating that this account has been settled as of XX/XX/2019. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (FL)

Notified XXXX XXXX initially XX/XX/XXXX, filed necessary FTC report, Police report and dispute with CRA. Account was deleted from CRAs, however XX/XX/XXXX account transferred to another agency CONTRACT CALLERS INC, agency forward me back to XXXX XXXX due to account listed as fraud and information inconsistent with data reported by XXXX XXXX. 
Spoke with XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without resolution.As per XXXX XXXX supervisor, i was informed it was nothing that could be done and file a complaint. 
All 3 CRA had fraud/active duty alerts during this time account was open and XXXX XXXX failed to notify of fraudulent activity and even notify of account being opened.Neither the collection agency nor XXXX XXXX has offered a resolution regarding fraudulent account opened in my name. I am repeatedly hung up on or transferred.