davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-23
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: Experian Information Solutions Inc. (NJ)

I have tried to dispute 4 false bankruptcies that are reporting on my credit report dating the years XX/XX/XXXX-XX/XX/XXXX. Ive disputed these items with all 3 bureaus over a dozen times in 2 years. Each time the dispute comes back verified. In which I went to the bankruptcy court where these bankruptcies were filed. The supervising clerk at the US Bankruptcy Courts XXXX, NJ put in writing that they dont affiliate with any credit reporting agencies nor do they provide my information to any third party source. And with being said these agencies are verifying this information incorrectly. Each bureau told me they got the info from the courts. The courts DO NOT communicate to any credit reporting agency.
Consumer complaint received 2018-12-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Auto Sales Inc. (CA)

I have tried to contact US Auto multiple times because they are claiming I have a car loan with them. I have never purchased an auto from this company, I have never registered a vehicle in which they were the lien holders, I have never signed any papers or took possession of any vehicle from this company. I have tried to contact them multiple times, I have sent them multiple requests demanding verification that I am the debt holder, they have refused to provide. The only way I even found out about this debt is because it showed up on my credit report. I have compared credit reports, and found that this was not reporting as an open loan during the time US Auto claims it was opened, instead, 2 years later, they just added a closed account to my credit report, which is also very odd.
Consumer complaint received 2018-12-23
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. (NJ)

I have tried to dispute 4 false bankruptcies that are reporting on my credit report dating the years XX/XX/XXXX-XX/XX/XXXX. Ive disputed these items with all 3 bureaus over a dozen times in 2 years. Each time the dispute comes back verified. In which I went to the bankruptcy court where these bankruptcies were filed. The supervising clerk at the US Bankruptcy Courts XXXX, NJ put in writing that they dont affiliate with any credit reporting agencies nor do they provide my information to any third party source. And with being said these agencies are verifying this information incorrectly. Each bureau told me they got the info from the courts. The courts DO NOT communicate to any credit reporting agency.
Consumer complaint received 2019-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

I XXXX XXXX made a money transfer through zelle a financial institution recommended by XXXX XXXX XXXX for the amount of XXXX dollars the transfer was made to a XXXX XXXX account belonging to my colleague XXXX XXXX zelle allowed the transfer of XXXX dollars only requiring the phone number no other information and transferred that amount to the wrong financial institution XXXX XXXX XXXX. This transaction was made on XX/XX/2019 I Made a claim with XXXX XXXX XXXX. Bank institution this claim was made on the XX/XX/2019 the claim came back denied on the XX/XX/2019. I was later informed by calling chase about the denied claim that that amount of money is now lost.
Consumer complaint received 2019-09-12
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. (GA)

So there was an account that was reporting on my credit report from XXXX XXXX. By the time I noticed it was opened and had been used for 5 months already. the card was nearly maxed out. once i called in to report the fraud they gave me all the information and told me that it was my fault and I was liable for the debt. Even though they said the card was opened at a address I wasn't familiar with. plus the telephone number they had on file wasn't mine. The card was opened on XX/XX/2017 and till this day its still reporting negatively on my credit report. the total amount that was take was XXXX that was due to fraud. Also A XXXX XXXX account was opened in my name as well that same year and this two cards was maxed out in my name XXXX & XXXX dollars. The date opened for those cards was XX/XX/2017. I also alerted the credit bureaus as well they put a fraud alert on my credit file. But still hasn't removed the fraudulent items on my credit report. this is going on two years already. I also filed a police report and mailed those documents to the credit bureaus as well.
Consumer complaint received 2019-09-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I contacted portfolio recovery during the month of XX/XX/XXXX to cancel my payments. They sent a letter saying that I agreed to make payments.. they also increased my balance to by 300+ dollars and Im currently disputing this incident to ally. Please do some things about this disgusting company.
Consumer complaint received 2023-03-29
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. Please see this account is corrected : XXXX XXXX Date opened XX/XX/XXXX XXXX {$30.00} ; The credit bureau is required to authenticate this account. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please update. this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

I received a bill for {$490.00} from Convergent Outsourcing Inc., a collection agency They said I have a XXXX account balance thru XXXX XXXX XXXX  The address on file was an old address of mine 4 years ago The email they have on file is : XXXX. I have never had this email or ever heard of it before I had a similar problem with XXXX and XXXX XXXX  using this same address in XXXX of 2020. That went thru XXXX XXXX XXXX for the exact same amount .That issue was fraud and resolved in my favor. My credit score and account with XXXX  is locked and has not been breeched
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXXBalance Owed : {$6800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00}.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Resurgent Capital Services L.P. (GA)

Consumer submitted a request for verification of debt and placed this debt into dispute. However, the companies are still reporting to report. Which constitutes defamation. Please see attached document that was sent to company, where the company has failed to produce such validation.
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} ; US DEPT OF EDUCATION XXXXX Balance : {$0.00} ; XXXX XXXX XXXXX Balance : {$280.00} ; XXXX XXXX XXXXX Balance : {$200.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-09-12
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. (IA)

A fraudulent XXXX credit card had been opened XX/XX/XXXX in my former surname XXXX ( not used since XX/XX/XXXX ) and former XXXX address ( XXXX ) haven't lived since XX/XX/XXXX. I immediately cited it as a fraud and put it in dispute. The individual who opened the acct didn't activate the original card sent to XXXX address for over a year. Then in XX/XX/XXXX the  perpetrator requested a new card be sent to an XXXX XXXX address in XXXX, NY and racked up over $ XXXX in purchases in a few weeks. 
Although the identity theft, fraudulent credit card account has been expunged from my reports, the XXXX XXXX, XXXX address that enabled the fraud, ( which was never mine, nor anywhere I'd ever been in my life ) has remained on Equifax 's site, showing as my 'current address '. The Equifax site is so badly designed, that it immediately regurgitates incorrect entries. I not only attempted to dispute and have the address removed online, but called as well when that outcome showed my true, current address as fraudulent! The agent was unable to correct this circumstance, saying my account that she was seeing showed the fraudulent address in dispute and my true address not. 
Well, I checked today and it is showing my current address as the correct one, but the fraudulent address is now being shown as an old address ; which it is not!!!! I have never had or been to that address. It is not to be listed as associated with me. This entire fiasco resulted from the Equifax breach in XX/XX/XXXX and Equifax didn't have the decency to assist me in any way or even mention that the breach on their site was the reason. These reporting agencies are incompetent and don't even bother to alert creditors to old names and addresses not currently in use that still attach to individual profiles, allowing criminal activity that they are meant to be averting.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am writing in regards to the fraud case that was mishandled by Bank of America. The fraud issue happened on XX/XX/XXXX and XX/XX/XXXX in XXXX XXXX, Nevada. A total of {$690.00} was taken out of my checking account. I don't live in XXXX XXXX, Nevada, nor have any family member or friends in that state. I live in XXXX, GA. It was impossible for me to be in two states and make purchases in one state and withdraw money in the other. I called Bank of America 's Fraud department and was told I will be reimbursed and sent a new card. They told me it would take 2-3 months to resolve. It has now been 4 months and I have not been reimbursed or called upon. I also faxed them all the information they asked me to in the prior call. They have been idle and unwilling to reimburse or assist me any further. I also had my XXXX card  also attacked in the same duration dates. I called XXXX XXXX    Fraud department and they helped me resolved my problem, reimbursed, and assisted me in getting a new card. XXXX was completely professional compared to Bank of America. I even faxed my XXXX letter to Bank of America 's Fraud department, with the unauthorized actions that happened on my account. 

I have attached the XXXX 's letter. The investigation proved that the fraudulent actions were not by me, and they have reimbursed the funds back onto my account.
Consumer complaint received 2019-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (FL)

XXXX XXXX turned over an already paid bill to Online information to collect an already paid bill. XX/XX/2015. The bill was paid in full in XX/XX/2015 by Property management company In XXXX XXXX, Fl I never received anything from XXXX XXXX or Online stating that my bill was still open. I have receipts showing that its paid. I found this on my credit report which is completely false. amount {$180.00}
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.
Consumer complaint received 2019-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX caused an FTC violation on my credit reports at this point I'm not exactly sure but need to look at my credit please send a copy of most current credit report XXXX has not let me get into my accounts
Consumer complaint received 2024-02-23
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. (CA)

fraudulent inquirys was made on my credit report that wasn't done by me and I would liken them to be disputed I call the creditors to get this remove out my credit report and the excepted but tranUnion dont dont want to proside to dispute those inquires, this inquires are fradulent and I want them to the remove out my account.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Funds were taken away from my account without me realizing it. I was unaware that this was happening. Never gave anyone my information about my debit card. Havent used my debit card it was locked in. I called the bank to let them know my problem they told me well get back to you in 5-9 days, since the amount was of XXXX dollars. I told them okay now I am checking my email now that 9 days have passed to see that my claim was closed and no money was given back. They did no help me at all and do not want to give me back any amount when I clearly told them it was not me. I need help because its not affair that theyre not helping me. I need my money back were not in the time for me to lose this much money when it wasnt me.
Consumer complaint received 2018-12-27
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. (CA)

XXXX XXXX has reported I'm passed 30 days late and when I called they said I paid to early which actually I paid on my due date and never 30 days late. The only thing that changed was my minimum payment which I'm enrolled in the hardship program which they adjusted my payment.
Consumer complaint received 2019-09-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/2019, I went to XXXX XXXX XXXX ( Address : XXXX. XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Phone : XXXX XXXX XXXX XXXX ) to fill up the car with gas ( XXXX XXXX ) that we rented before returning it to  XXXX. I gave my Bank of America XXXX XXXX XXXX XXXX to the attendant and he ran the card through his machine. He then told me it did not go through and he needed another card. I gave him a second Bank of America Mastercard to try. He ran the card through his machine and then told me it did not go through either. My fiance then gave the attendant his Bank of America credit card. The attendant said this charge went through. The attendant did not provide us with any receipts. 

When I looked at my credit card transactions on both cards, I saw that the charge from XXXX to my Bank of America XXXX credit card in the amount of {$100.00} and the charge from XXXX to my Bank of America Mastercard in the amount of {$84.00} both posted. The charge to my fiance 's credit card in the amount of {$60.00} also posted to his credit card. 

When I attempted to contact XXXX, I got a message saying the party was temporarily unavailable. I filed disputes on both transactions on XX/XX/19 through Bank of America and provided supporting documentation. 

On XX/XX/2019, I received a letter from Bank of America stating that they were unable to determine that a billing error occurred and they issued a credit to my account for the disputed charge. The letter also stated that Bank of America was considering the dispute resolved but the merchant would have the opportunity to present new information on why the charges were valid. 

On XX/XX/2019, I received another letter from Bank of America notifying me that they reviewed the details of my dispute on my XXXX XXXX XXXX XXXX and were unable to pursue the dispute further. My Bank of America XXXX XXXX XXXX was then charged the original disputed amount of {$100.00}. I called Bank of America to ask why my account was charged and was told that XXXX provided signed receipts for the transactions and because it was a chipped transaction, they had to consider it valid, and I was required to pay it. I did not sign any receipts when I was at XXXX because the attendant told me his machine was not working. I requested an appeal of Bank of America 's decision but was told because the signed receipts were provided by XXXX, there was nothing I could do, even though I did not sign anything and the receipts must have been forged.