davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
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)

In XX/XX/XXXX, XXXX reported a collection account under my name for a XXXX past due invoice from XX/XX/XXXX. I filed a dispute with XXXX XX/XX/XXXX, and received the result on XX/XX/XXXX stating the account belonged to me which is false. 
1 ) I contacted the collection agency on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX, and they told me I needed to speak to XXXX to resolve it. 
2 ) I filed a XXXX dispute on XX/XX/XXXX : XXXX Fraud Management OCA Dispute XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX 3 ) I filed a police report on XX/XX/XXXX. 
4 ) I tried to reach XXXX for removal of the incorrect information on XX/XX/XXXX but the phone number listed in their web site is incorrect : XXXX After 3 weeks of working with different parties, the wrong information is still being reported by XXXX for the fraudulent XXXX account.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AL)

I received information from you attempting to collect the above-listed alleged debt on my credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2019-09-24
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. (IL)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX x2 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$2900.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Consumer complaint received 2018-06-04
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. (MO)

Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, Transunion, XXXX, and XXXX  all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX  ( XXXX ), ( 2 ) XXXX/XXXX XXXX-Banks ( XXXX ), ( 3 ) XXXX- MORTGAGE ( XXXX ), ( 4 ) XXXX XXXX ( XXXX ), ( 5 ) XXXX XXXX XXXX XXXX ), ( 6 ) XXXX XXXX ( XXXX ), ( 7 ) XXXX XXXX ( XXXX ), ( 8 ) XXXX XXXX XXXX ( XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XXXX ), ( 10 ) XXXX XXXX XXXX ( XXXX ), ( 11 ) XXXX XXXX  ( XXXX ), ( 12 ) XXXX XXXX ( XXXX ), ( 13 ) XXXX/XXXX XXXX ( XXXX ), ( 14 ) XXXX XXXX ( XXXX )
Consumer complaint received 2018-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

From XX/XX/2018 until the present time I sent many letters to Transunion, XXXX and XXXX in regards to the change of addresses that are not mine. I've sent proof of my current addresses such as my bank statement, drivers license and my car registration.All three refuse to delete my old addresses. Also I have two collection accounts that do not belong to me and I am not getting no where at all. I've calling the original collectors and they were very rude to me when I asked question about the debt that they are saying that I owe that do not belong to me.
Consumer complaint received 2020-02-10
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)

CRA is still reporting erroneous accounts on my credit report even after I submitted a police report and FTC identity theft report, showing I've been the victim of identity theft.
Consumer complaint received 2019-09-20
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. (AL)

Equifax is refusing to dispute/delete fraudulent information from my credit report even though I have told them I did NOT make these inquiries. I have spoken to each of the inquirers and they have stated they would inform Equifax to delete the inquiries but they still have not done so. 

The inquiries are XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX   XXXX : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NJ)

XX/XX/XXXX XXXX Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with XXXX XXXX. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a XXXX  XXXX XXXX injury. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted XXXX XXXX advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from XXXX XXXX telling me that they had turned the matter over to a collection company by the name of Nationwide Credit. Since then I have received threatening correspondence from Nationwide.  Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies.

According to the CCPA of 1968 as well as the Americans with Disabilities Act and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of XXXX XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by XXXX XXXX and Nationwide Credit. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. 

I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

{$260.00} was frauduantly taken out of my TD Bank account between XX/XX/XXXX to XX/XX/XXXX. 
Even thought TD Bank has all my contact info, failed to do it. so when i noticed this fraud on XX/XX/XXXX i called my branch where no one answered the phone had to call HQ and hold for several over 30 minutes before being finally connected to TD fraud unit where while describing my ordeal got disconnected, the rep did not try reaching calling me back!

had to call back and took another 30 minutes to reach Ms XXXX related my story and was promised will be credited the missing amount in 24hrs and will be issued a new Debit card, Now its XX/XX/XXXX i am waiting 4days!!! 
Also my 2 emails to refund the missing amount and cancel and reissue my Debit card has not been answered! 
Please Help and advise!
Consumer complaint received 2019-10-10
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-02-17
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

There were 3 new inquires on my credit report on XX/XX/21, none of which I recognize or applied for. These include Capital  one, XXXX and XXXX. I called XXXX  XXXX  XXXX  and altered them about these fraudulent claims and placed a fraud alert on my account. I will also be contacting the companies individually.
Consumer complaint received 2019-07-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (FL)

I can not give you any information about this company because this company never sent me a bill statement, documents, any Letterhead company letters, in any fashion unto me ever since the debt from XXXX XXXX, that was sold to Jefferson Capital Systems LLC posted this debt on my Credit file. The amount of the debt was {$5600.00} and the balance {$5000.00}, I never paid any difference to this debt that leaves this balance on me to pay. This debt is from a school that I did attend from XX/XX/XXXX and graduate XXXX and then try to go back after graduation to get my bachelor 's degree, but my disability caused me to not be able to continue study and I stopped online school in XXXX. I did try to dispute this debt online with XXXX and XXXX, but I did not get the dispute that I needed. Please help.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

THE COMPANY, PORTFOLIO RECOVERY ASSOCIATES, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF '' ORIGINALLY ON MY CREDIT REPORT. THIS MEANS THE ORIGINAL COMPANY THAT PORTFOLIO RECOVERY ASSOCIATES PURCHASED THIS ALLEGED BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES FOR THE YEAR XXXX. WHEN PORTFOLIO RECOVERY ASSOCIATES PURCHASED THE ALLEGED BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.

According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role and are only credit reporting agencies. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XX/XX/XXXX, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' PORTFOLIO RECOVERY ASSOCIATES is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I have proof of claim from a prior complaint response from PRA admitting to their crimes of buying my debt and admitting to sharing my information.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The XXXX XXXX XXXX has been trying to withdraw our money for almost a year without success. They told the manager that I was the only authorized signer. I called and after 2 hours on the phone someone Told me the forms we needed to download from their website. In XXXX of 2017, they said they never received they email. In XXXX of 2017, someone acknowledged receiving them. They needed me to accept some email invitation to set up an online acct to accomplish withdrawal. Over the next 4 weeks, several people said they were going to send it. It was never received at any of the times. 
On XX/XX/XXXX of this year and XXXX, I spent 3 hours  on the phone with a supervisor, XXXX, employee ID XXXX, They didnt have me listed as an authorized signer AGAIN, couldnt find the accounts and then I was told that some servers dont accept their docs. ( Like the 3 different ones I provided ) I was told they have no alternate way to get me the necessary document to withdraw funds. 
So for over a year, theyve paid us about 0 % on {$250000.00}, wont send us statements and they cant help us to withdraw our money.
Consumer complaint received 2022-07-22
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: CITIBANK, N.A. (TX)

Macy 's Amex  card ( now closed ) shows remarks on late payment in XXXX and XXXX ( 60-89 days late ) which is incorrect and I am disputing to have the remarks removed from my record. Macy 's Amex acknowledged the returns made in XXXX but posted them 3 months late in XXXX. Due to their internal irregularities, the balance on XXXX and XXXX statement was incorrect and they charged me interest and fine for overdue balance. Since then I have disputed the overdue balance, the interests and fines and the company finally resolved and reversed them late XXXX. My account clearly shows I never had dues since XXXX and therefore no payments were needed. However, the company is reporting late payment in XXXX and XXXX ( 60-89 days late ) on my account, which is hurting my credit score. The late payment remarks of XXXX and XXXX need to be removed. So far, the company has been slow and uncooperative in helping out clear everything at one go.They do it in bits and pieces, and have made it a miserable experience for me. My credit score was badly damaged because of them. I need you to take serious action againt this fraudulent behaviour on their part.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

All three -- XXXX, XXXX, TransUnion -- were reporting XXXX XXXX information that XXXX XXXX was fraudulently reporting to them. 

I made payments on one student loan account at XXXX XXXX. In XX/XX/2019 I asked XXXX XXXX to place the account in deferment because the student was still in school. They verbally agreed, sent me a notice on their " secure email '' portal that they could do so on my EFS account but would need to speak to others if I wanted any assistance on credit card payments. I did not need assistance with the credit cards and did nothing along that line. 

One dirty little secret is that XXXX sets up additional student loans under the same account but with " sub-account '' numbers. I made payments via the top level account. 

I checked my account in XXXX and the account appeared to be properly deferred and not requiring payments. 

Suddenly in XXXX _two_ delinquent accounts showed up on my credit reports, both from XXXX. One account showed " pays as agreed '' in XXXX then 30-days-late in XXXX. The other account showed " pays as agreed '' in XXXX then __60-days-late__ in XXXX. 

I immediately called XXXX, paid everything they said was owed, and they indicated they would remove the reported delinquencies. They never did. And their " secure email '' is apparently no longer in the system and does not show up in my " secure email '' portal any more. 

1. It is IMPOSSIBLE in this universe for an account to go from " pays as agreed '' to 60-days-late in a single month. This alone is FRAUD. 

2. XXXX XXXX buries the fact that even though you have one main account number, and make payments on that one main account number, that all of the " sub-accounts '' are reported individually. This is also FRAUD because it is like a credit card company claiming that each transaction is a separate " account ''. I had two student loan TRANSACTIONS with XXXX. They were paid under ONE ACCOUNT NUMBER. But reported as two accounts? And then, the one account on which I was paying goes from " pays as agreed '' to *BOTH* 30-days-late *AND* 60-days-late??? FRAUD. 

I talked to XXXX XXXX MANY times to attempt to resolve but they refused to remove the fraudulently reported information. 

I disputed multiple times with all three reporting agencies. But their online dispute forms make it very difficult to explain precisely WHY the information is wrong, so it kept coming back onto my reports. 

I finally submitted disputes via the " other '' reason that allowed me to enter an explanation. 

XXXX removed the information. And it has stayed off. 
XXXX removed the information. And it has stayed off. 

TransUnion REFUSES TO REMOVE THE INFORMATION. 

It is ALSO an impossibility in this universe that XXXX XXXX allowed XXXX and XXXX to remove the fraudulent information but told TransUnion to keep it. 

MORE FRAUD.
Consumer complaint received 2019-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is an Identity Theft, Fraud, Forgery, mail theft case filed and documented by the FEDERAL TRADE COMMISSION, POLICE AND POSTAL INSPECTOR. On XX/XX/19 I received a call at aprox XXXX am from XXXX at Bank of America. XXXX asked if i was me ( my name ) I stated yes. She asked if I had opened 2 bank accounts online. I stated absolutely not! XXXX proceeded to tell me 2 joint bank accounts were opened online on XX/XX/19 using my name and a person named XXXX XXXX. told her this is fraud, Identity theft and shut this down now. I also told her I do not nor have I ever known any person by this name. She transferred me to the fraud department I spoke with a person by the name of XXXX she stated a pre printed with my name and information solicitation type loan offer check from XXXX XXXX company was deposited into these fraudulent account via an ATM machine. I told her to shut this down it is fraud and identity theft. She stated 2 debit cards were ordered sxpress to my address. I immediately went home to my postal box and discovered via the United states post office there had been neighborhood wide vandalisum, mail theft, master key theft .... Immediately filed with the federal trade commission, police, postal inspector and sent Bank of America all reports and a letter to SHUT DOWN any accounts in my name!!! They continued to leave these accounts open. they continued to allow this fraud and identity theft, continued to send me mailings of these fraudulent account and stolen check forgery, fraud identity theft! they opened this fraudulent account with no Identification of mine, allowed identity thieves to deposit a stolen forged check into an ATM Machine with no identification! check states clearly 2 FORMS OF ID REQUIRED! signature is not mine, email is not mine, phone number not mine, birthdate not mine! 15 calls to BANK OF AMERICA and i still do not have a letter clearing this account and stolen mail check fraud! they should be shut down once and for all.