davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Viking Client Services (WA)

On XX/XX/XXXX, Ive received an email from XXXX XXXX XXXX XXXX XXXX regarding changes to an account. Therefore, Ive replied same day stating this was an error and fraud, never did I open an account with the company. I called a day or couple days later, and spoke to a representative. She ensured that the account ( s ) will be placed on hold for further investigation. A week later, Ive received a fraudulent claim form to fill out from the bank, which was filled out and sent back to the forwarding address. On XX/XX/XXXX, Ive received a statement from the bank statement which included account bank, which led me to believe the bank proceeded with active account. On XX/XX/XXXX, Ive received a Special Adverse Action Notice which indicated Deposits/Savings were terminated/closed/suspended/other and reason to termination was CHARGE OFF. In XX/XX/XXXX, Ive called the customer service line and spoke to a representative who ensured that all accounts were closed and there were no further worries. On XX/XX/XXXX, Ive received a debt collection letter from Viking Client Services , LLC regarding a {$500.00} debt I owe, which stated as of XX/XX/XXXX. 

Please note, there was a police report regarding this case on XX/XX/XXXX. See attachment.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My student loan company ( XXXX ) reported I was late with my payments XXXX times back XX/XX/XXXX, XX/XX/XXXX. At that time I had several XXXX, was not working, no money coming in. I called my student loan up & they granted me a temporary medical forbearance ( unsure what it was called ) good for 6 months which I renewed several times since I ended up having XXXX XXXX & not working almost 2 years. They were aware of the situation-I even offered a doctor 's letter, which they refused. Since then I have recovered, went back to work and have not missed a payment but this is impacting my credit score ( along with medical bills that were to be paid by the fault of the other insurance ) & I can not get a loan anywhere at a decent rate.
Consumer complaint received 2021-05-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Im sending in a complaint to XXXX TRANSUNION, & XXXX, i have sent them multiples letters asking them to please remove the inaccurate and negative information that's reporting on my credit reports.They keep ignoring me with stall letters and I am very upset with it. If they can't provide me additional information and documents that i have statement in multiple letters i have sent them, they need to REMOVE everything i challenged IMMEDIATELY.
Consumer complaint received 2020-11-03
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hello, I signed up for CapitalOne Walmart credit card in XXXX this year, subsequently made some purchases and continued active usage of the credit card. Note that this creditor association was new to my profile as i had no prior accounts with CapitalOne. 
I used my 5 year old XXXX Checking account to pay the card off during my first two payments due for this card. This account was current and no overdue as of XX/XX/2020. Subsequently there were no additional purchases on this card and the account balance was negative ( due to some additional payments made ). 
Come XXXX my XXXX Checking account suffers an ACH fraud, at which point I engage my bankers to act on it. My XXXX account was frozen on XXXX XXXX and XXXX started recalling all fraudulent transactions. During this period, I had no access to any other financial accounts as this was the only banking relationship I had for debit/checking access. During this time ( on XXXX XX/XX/2020 ), XXXX seems to have erroneously recalled a valid/genuine payment ( posted XXXX XXXX ) to pay off the CapitalOne credit card, despite my mention in my initial fraud complaint that the issue appeared to have started from XX/XX/2020. 
As a result of this erroneous recall, Capital One found my account late on payment for more than 30 days, ended up reporting it as a missed payment to the credit bureau ( XXXX, XXXX etc ). My Credit score dropped 40 points as a result while I was actively looking to refinance my mortgage. 

I raised this matter to CapitalOne ( Case number- XXXX ) via mailed copies of paperwork on XXXX XXXX, indicating this was not a willful default or late payment and provided statement copies indicating how the problem manifested. The recall of the payment posted after more than 45 days indicates this is not an action I took and simply a clerical error while a large number of transactions were being investigated by my banker. I also offered to get them any document required from my banker ( XXXX ) to suggest this was an error. 

CapitalOne have written back to me suggesting they considered the matter however due to the fair credit reporting act obligations they need to report accurate information to credit unions. 
I got in touch with XXXX regarding this matter who suggest that there is not much they can do as the account in question is already closed and the transaction was recalled as a part of the dispute investigation. 

I feel that customer 's interest is at stake here, for no fault of mine first I suffer a ACH fraud stress on my ONLY bank account in the US subsequently a credit profile impact during the repair of the prior problem due to this erroneous recall. 
I humbly request if you can help to correct my credit profile reporting by mediating as appropriate. 

Thank you,
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

: THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. inquiries unauthorized XXXX, XXXX XXXX AND XXXX XXXXMus be deleted no validation from the companies or from the Credit union.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Advanced Collection Bureau, Inc. (NM)

I was never informed of my debt though it had been on my credit report for apparently XXXX years. When I XXXX contacted the collections agency they lied and said that they tried to contact me several times. They only contacted my ex husband, who I am NOT in contact with. To contact me then they could have asked my ex for my number, not expected him to contact me instead, in a manor of doing their jobs for them. I can provide XXXX years of phone bills to prove this if need be.
Consumer complaint received 2023-03-28
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. (NV)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXXXXXX 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 XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

From my credit report from XXXX  and TransUnion there is credit inquiries that I did not make. XXXX bank on trans union saw XXXX as well. XXXX has inquiries from XXXX XXXX credit Card Cos. Also capital one. I did not make these inquiries. Please take them off
Consumer complaint received 2017-03-09
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

I have an abusive, alcoholic husband. I met a man named XXXX XXXX on XXXX who began talking to me and promising to get me out of the situation. He requested money from me on numerous occasions to help with his project in XXXX, being an XXXX, and once requesting money to help with one of his sons that was in the hospital. I got away from my abusive husband with a promise from " XXXX '' that he would meet me at the XXXX, XXXX airport on Tuesday, XXXX XXXX around XXXX ; however, he then started messaging me to let me know he was told that he had exceeded his maximum withdrawals on his account and could not get money to purchase plane tickets for him and his XXXX sons. He said he was supposed to meet a man on XXXX that would loan him {$3700.00} to be able to purchase the tickets ; however, then he has begun asking me to send more money to him. He knows I will be getting a 401K withdrawal of {$4000.00} on XXXX and has requested I send him the {$3700.00} and when he arrives in the US he will give me that money back, plus the money I already sent him. I sent him a total of {$9100.00} since early XXXX, not realizing I had sent him that much money. He promised to get me away from my abusive situation, take me on a shopping spree, has purchased a car for me, and will take me to live with him in his mansion in XXXX. Having lived an abused life, all of this sounded amazing to me. I suggested to him that I would send him prepaid plane tickets because a friend said she would loan me the money, but he said he did n't want my friend 's money. He wanted mine. He claims he is anxious to get back to the US and be with me, but he did not take the offer of prepaid plane tickets. He wants the cash. The money grams I sent were not sent to a XXXX XXXX, but rather XXXX of them to a XXXX and the last to a XXXX. My friend found this character on a website : XXXX. He is continuing to message me and became upset with me when I told him my friend found out I had wired money to him. He said he thought the money was our secret.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Someone stolen my XXXX XXXX XXXX and using many charges on my card, I have report as lose and stolen and have them send me the replacement to another mailing address, because i have notice that i have been missing a lot of my mails in my address, I have place a hold mail in my address but i went to the post office today but they told me that someone already pick up my mails .today .I was very angry, i want to request for the protection of my idenity, please in the future any transaction please send me a notification to my cell phone number if i dont reply then just decline please. 

# XXXX attention : Phone # XXXX they have issued me a replacement card # XXXX but i just have used few card but they are put a hold on my account again and want me to upload some document to verify my new mailing address .and its goona take 21days i want them to unlock my relacement card that i just receieved because of all of these missing mails, alot of my account from other creduit issuer was lock too...
Consumer complaint received 2020-10-19
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 have been having so many issues in regards to my identity being stolen. I spoke with XXXX, XXXX, and transunion and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.
Consumer complaint received 2015-05-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc. (PA)

Call came from Alliance One. 

Called a XXXX year old girl and then hung up rather than address fact that they were calling a child to collect a debt and would not identify who they were. Only when we did an Internet search did we discover what kind of call. 

When I called back, call routed to voicemail.
Consumer complaint received 2024-02-14
Product: Credit reporting 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 am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer/client/member of Credit Bureaus I expect transparency, reliability, and prompt action in addressing such matters. 

The persistence of these fraudulent items reflects poorly on Credit Bureaus commitment to combating fraudulent activities and protecting its customers. It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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. (TX)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TX)

I have a large loan with Wells Fargo Bank. I have been paying on the loan for many years and it has a 'balloon ' payment due in XX/XX/XXXX. It will be about $ XXXX. I do not have the resources to pay off this loan in full. I sent letters to Wells Fargo asking that the loan be restructured/modified so that I can continue making payments. I made a proposal for a workable payment amount. I also offered to 'settle ' the loan for something less than the balance owing. Wells Fargo has declined to provide any help stating " that your financial situation precludes Bank from making a counter proposal. '' My financial situation is that I have exemplary credit and a high credit score. That does n't mean that I have {$70000.00} that I can give them in XX/XX/XXXX. That is why I reached out to them more than a year early. I need someone in Wells Fargo 's organization to work with me. When I asked the vice president I was talking with what they would do if I could n't pay off the balance, she told me they would hand the account over to their attorneys.
Consumer complaint received 2016-10-17
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: 2288984 Ontario Inc. (MD)

I took out a loan with Money Key for {$1000.00} in XXXX of 2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from XXXX. I never received any communication from XXXX XXXX that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted XXXX who advised that they sent a notice in XXXX 2016. I advised them that I never received any communication.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Account Discovery Systems, LLC (AZ)

A company by the name of Account Discovery Systems called me at XXXX. They called me from XXXXThey were not even looking for me they were looking for someone with a similar name. 

The full name of the debt collector isAccount Discovery SystemsXXXX XXXX XXXX XXXX # XXXXPhone Number XXXX
Consumer complaint received 2019-02-25
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: EQUIFAX, INC. (AL)

I have duplicate inquiries on my report and it doesn't seem as if they perform a proper investigation to fix the problem. It is with XXXX XXXX and the dates are XX/XX/2017 and XX/XX/2017..This has impacted my report negatively and has repeatedly caused me to be turned down for lines of credit.
Consumer complaint received 2016-11-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Integrated Recovery Services (OH)

They keep calling looking for somebody I do n't know. I 've called them back many times nicely telling them I do n't know the person and to stop calling me. The last guy told me they 'll keep trying to reach this person at my number and I am welcome to file a complaint. They have several phone numbers so it 's always different I 'm trying to block.
Consumer complaint received 2016-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Windham Professionals, Inc. (OR)

I 'm getting robo calls from a debt collector weekly since XXXX XXXX for a relation, XXXX XXXX. The automated voice says if I 'm not XXXX XXXX I should disconnect immediately. Well I 'm not XXXX XXXX and I 'm getting this voice mail every week and I need it to stop. I 've gotten a call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have tried to block this call and it still keeps coming through. 

I have records of these calls through my voicemail transcription service. This is what the first 30 seconds says. 

" Hello this is a message for XXXX XXXX. If this is the wrong number please call XXXX to have it removed. If you 're not XXXX XXXX please disconnect immediately. XXXX you should listen to this message in private as it contains private information I 'll pause you can do so this is XXXX XXXX XXXX with Windom professionals a court ... ''
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (MO)

Rushcard had an update. I have n't had access to my money for 3 days. No way to feed my XXXX or put gas in my car. My phone is now disconnected due to this issue. It is not fair, and unfortunately we are all suffering.
Consumer complaint received 2024-02-14
Product: Credit reporting 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NY)

I made a purchase on XXXX XXXX on XXXX and the total payment {$90.00} consists 1 ) {$82.00} from citibank MCARD XXXX, 2 ) XXXX XXXX {$7.00}. This is a purchase but the transaction was categorized as " Cash Advance '' and I was charged {$10.00} cash advance fee and {$1.00} interest. 
I contacted Citibank may times and Citibank said XXXX sent wrong transaction category. I contacted XXXX many times and XXXX said they sent correct transaction category. They asked me to talk to the other party but do not take action to correct the issue.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

A rushcard card holder. Due to system issues could not access my funds today. Called customer service several times. Call dropped XXXX times, disconnected after being placed on hold by a rep. Finally spoke to a rep who told me would have access within XXXX hrs. Several hours later still no access to funds and called back and was told they are still working on the issue but nothing could be done.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.