davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (PA)

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXX  XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Consumer complaint received 2018-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

I had an alleged Debt with XXXX XXXX for an XXXX that was showing up on my XXXX   credit report. I sent XXXX XXXX a debt validation letter by certified Mail on XX/XX/XXXX. I have attached copy of certified receipt. 

XXXX never responded and the debt was deleted off of my XXXX Credit Report ( I have attached the letter of deletion from XXXX ). I was thinkng I have resolved this problem. On XX/XX/XXXX I received a letter from Credence Collection about of that same XXXX debt I do not owe and that was deleted off of my XXXX  Credit Report. 

We followed the same procedure and sent Credence a validation letter onXX/XX/XXXX they received my dispute letter on XX/XX/XXXX ( I have attached paperwork and certified receipt ). I never received any validation of this debt from them, then On XX/XX/XXXXthis dept reported on my XXXX  Credit report. 

They are not following the law under the FDCPA voilating my right under the FDCDA the right to dispute this debt. Credence never responded with any validation of proof to this debt. They never responded with any documents to prove this debt was a verifiable debt.Credence placed this debt on my XXXX credit report on XX/XX/XXXX.

Credence stated if I do not notify their office within 30 days after receiving this notice that I dispute the validity of this debt, or any portion thereof this office this office will assume this debt is valid. I did by law what is my right sent them a validation letter. 

Credence is in blatant voilation of the FDCDA. The fact that this debt was disputed and removed from my XXXX credit report. Sold to Credence and they still have not validated this debt with me and is using my credit report to pay a debt I do not owe. Please Please Please help me in this Matter.
Consumer complaint received 2019-01-28
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management (MI)

Hello, My complaint is for the Pendleton Capital Management Inc. 

My first issue with this company was about two years ago. I originally had set up a payment plan and was intending to get the debt taken care of. I then had an emergency which caused me to not have enough to make my payment, I then reached out to the company to let them know that I was unable to make the payment as discussed. 

I spoke with a representative named XXXX XXXX extension XXXX. XXXX demeaned me, called me a bum, swore at me, told me I need to grow up and get my XXXX together. 

I chose to disconnect the call at this point and she proceeded to call my mother who was a reference on the initial loan, left her a message stating that she has been unable to get in touch with me. 

I was quite upset, my mother ended up calling back and speaking with XXXX supervisor. She then reached back out to me and apologized on XXXX behalf and said that they would delete my mothers information and that XXXX would be reprimanded. 

I then did not receive any more calls for about the last two years. Today I get a voicemail from a gentleman named XXXX XXXX, I returned his call to his extension and left a voicemail. I then called back to speak with someone who was there so that I could figure out what this was in reference to. XXXX XXXX answered the phone, of course I disconnected the call immediately. I then called back and smoke with another supervisor, to whom I explained the previous situation and requested that they do not contact me again. I told them that they are not allowed to harass me as it is in violation of the FDCPA and that I would be filing a claim against them.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Hello Digit, LLC (UT)

On Thursday XX/XX/XXXX I attempted to make a {$25.00} transfer from my XXXX XXXX account to my XXXX account. However a system error caused the transfer to be processed twice. 


I waited a few days to see if the transaction would fall off my account as it was " Pending '' in my Spending account. However, on XX/XX/XXXX the transaction was still shown as pending on my Spending account but my investment account showed it had been returned for XXXX, insufficient funds. I contacted Digit regarding this requesting that they investigate and my case was escalated with their engineering team. 

To this date I still do not have access to the {$25.00} that has been pending since XX/XX/XXXX at XXXX PM. I have made numerous follow-ups requesting additional information and on XX/XX/XXXX I received the following : I '' do want to assure you that we have been partnering with our engineering team to see what was going on. To explain a bit more, the transfer from XX/XX/XXXX has been returned correctly. The funds from that transfer should be back in your account. In addition, you created a manual transfer of {$25.00} later in the day on XX/XX/XXXX, and that transfer was successful. This means that the amount you are seeing in your account should all be correct. '' This is incorrect. My Digit XXXX account currently shows a {$0.00} balance, a pending {$25.00} withdrawal to my investment account, and does not allow me to make a transfer of {$25.00} as it shows my available balance is {$0.00}. I've forwarded a subledger for my account showing all of my transactions minus the pending {$25.00} withdrawal to Digit and it shows I still should have {$25.00} in my account. This needs to be corrected immediately, it's been nearly a month that this has remained pending and I have not been given access to my funds. 

While {$25.00} isn't a lot of money it's the equivalent of a credit card payment for many folks and the fact that a system error has caused my money to be unaccessible for over a month and for their engineering team to say that it's all fixed and my balances are correct is troublesome to say the least. 

I don't want system errors to cause others to be out of money, potentially even more than just {$25.00}, and Digit has failed to properly address the situation within a reasonable time, thus I have no choice but to seek the help of regulators like the CFPB
Consumer complaint received 2019-01-28
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: FORD MOTOR CREDIT CO. (VA)

Evidence of payments being made from a XXXX XXXX XXXX account include : XXXX XXXX XXXX- Payment amount {$350.00} from XXXX XXXX XXXX XXXX XXXX- Payment amount {$420.00} from XXXX XXXX ( Account 1 ( XX/XX/XXXX-XX/XX/XXXX ) - Payment amount {$280.00} from XXXX XXXX ( Account 2 ( XX/XX/XXXX ) - Payment amount {$700.00} from XXXX XXXX XXXX XXXX XXXX  ( initial payment XX/XX/XXXX for {$1100.00} check # XXXX from XXXX  ) All accounts paid as agreed.
Consumer complaint received 2019-01-28
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FC HoldCo LLC (AZ)

My car was involved in an accident on XX/XX/2018. My auto finance company was notified on XX/XX/2018 that my vehicle was a total loss and they told me that they were going to start processing my claim with the gap insurance since it was with them. I received notification on XX/XX/2018 that my account was past due. I then called XXXX to check on the status of the GAP insurance claim. They told me that they had not started the process of filing the claim. I asked why it had not been started since it was almost a month since they were notified of the total loss but no one could answer that for me. I then spoke with a person in the insurance department who started the claim. I was notified on XX/XX/2018 that the Gap policy through XXXX did not receive the proper documentation from XXXX and that they had not been able to contact the insurance rep from XXXX. I called for a week until i was able to reach another person i the insurance department and she resent the documents to XXXX. I continued to receive collection calls and the insurance told me that my account was supposed to be routed to their department and not collections. The gap policy paid out but they only paid a partial amount based on what XXXX  had told them what was left on my loan. XXXX  told the Gap coverage company XXXX that I had an outstanding balance of {$19000.00}, which was incorrect. My insurance company paid {$13000.00}. XXXX   reported to XXXX that they had received an additional {$1100.00} from warranty refunds which was also incorrect. XXXX error caused my Gap insurance policy to only pay out {$4400.00} leaving me with about {$3000.00} left to pay on my loan. I tried to make a payment on the account until the account was corrected but XXXX refused the payment since it was not the full past due amount. Since then I have received numerous calls at all times of the day from multiple different phone numbers from XXXX  collections. The insurance department continues to say that Im not supposed to receive collections calls but my account keeps getting routed back to collections. I have had collectors be very rude and refuse to allow me to speak to a manager even though the notes indicate what is going on with my account. This has destroyed my credit .They have also been calling my daughter who is a reference and is not on the loan.
Consumer complaint received 2019-10-08
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. (NC)

XXXX is reporting incorrectly to Equifax a collection of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance is wrong. I returned all of the equipment back to XXXX and therefore there is no outstanding balance to report. This account needs to be removed from collections. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

This debt is not mine or owed by me. I have no knowledge or gave any approval of any kind in regards to this account. I have a problem with identity theft and have not authorized or signed any documents with use of my name or consented to my information to obtain anything from this company or incur this debt. I would like this company to remove this debt collection from my credit report immediately.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (CA)

Contacted Apple Card regarding dispute on XX/XX/2020. On XX/XX/2020 Apple Card email me for additional information and response was given via replying to their email. I contacted Apple Card the week of XX/XX/2020 and was told the dispute is in second stage. On XX/XX/2020 Apple card email me to state the the dispute was no in my favor. I contacted Apple card by phone several time and was told that they never got my email with information that they needed. Apple card also told me that they got information from the merchant that sounded very suspicious, and my request for such information has been denied. My request to reopen the case was also denied.
Consumer complaint received 2018-04-15
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. (FL)

After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, XXXX  and Transunion, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (CA)

My name is XXXX XXXX XXXX. 
I found 2 unauthorized purchases transections on my WaywGo card of CA. 
It happened on XX/XX/21 ( {$200.00} ) and XX/XX/21 ( {$120.00} ). 
I requested disturbing these. 
I reported that I never been there before. 
I showed my XXXXXXXX XXXX XXXXe at that days. But my cas was denied. 
I can not understand why. 
Those were fraud transections. 
I can show you my XXXX XXXX XXXX where I was at that time. 
Way2Go did not credit back to me. 
Claim number was XXXX
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

I have an active account with Capitol One. I requested a credit line increase that was declined for no stated reason. I called and spoke to several representitives and they could not provide a reason or anyone I could speak to to determine the reason for the decline. The account has been open for over five years with the balance paid monthly. My credit score is excellent and I have close to {$1.00} XXXX in that bank, no debt and monthly income of $ XXXX/mo. I'm assuming the cause is my age, soon to be XXXX.
Consumer complaint received 2022-07-12
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: National Credit Adjusters, LLC (CA)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is NATIONAL CREDIT ADJU. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why NATIONAL CREDIT ADJU is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes NATIONAL CREDIT ADJU as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Consumer complaint received 2024-05-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DSR HOLDINGS GROUP, LLC (WI)

A debt collector continuously calls me at least four times throughout the week. They have begun contacting my grandparents and parents. The debt collector asks them for my information and informs them that I owe a large amount of debt. The debt collector informs them who I owe the debt to but not the amount. The debt collector leaves voicemails at least twice a week if my grandparents or parents do not answer. My mother had asked them to stop calling her, but they continue doing so. My grandparents feel the debt collector is intimidating them by saying that they are trying to locate me and found their information so they know they are my grandparents. The debt collector told my mother, we found your information so you are her mother, and when my mother told them she was not providing my personal information to them and asked for their name, the debt collector disconnected the call ; however, they continue to call. 
I do not let any companies know about my family relations, so I am unsure where they received the contact information for my family members. Any financial matters are personal ; therefore, the debt collector is releasing my personal matters to others without my consent. This complaint has not been communicated to the debt collector that continuously harasses my family because we do not know who the debt collector is since they fail to identify themselves other than saying DSR.
Consumer complaint received 2022-08-29
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. (NJ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and letters dated XX/XX/2022. Since it is a necessity by regulation 605b of the FCRA I'm sending again this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to be disputed/deleted in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXXXXXX Balance -, XXXX XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2019-05-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

one main financial per my credit report, account paid -- charged off i need this removed from credit report asap i have picture from credit report the statue if limitations for PA is 4 years, credit report showing removal XX/XX/2020. please have them do early removal
Consumer complaint received 2021-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Recently on XX/XX/XXXX I requested a credit limit increase for my card ending in XXXX an existing open ended credit card plan with Capital One. I was denied due to factors that violate the Fair Credit Reporting Act Pursuant to 15 USC 1681m ( b ) ( 2 ) ( C ) ( ii ). I suggest Capital One redeems my request to increase my credit limit on my exciting credit card, or Capital One will be in direct violation under civil liability.
Consumer complaint received 2019-01-28
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)

I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. 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  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.
Consumer complaint received 2019-01-28
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. (GA)

I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. 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  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.
Consumer complaint received 2018-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion 's customer service would not help and take care of the negative inquiries reporting on my credit report. I have sent several certified letters advising them that following inquiries where not authorized by me. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX