davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
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. (CA)

There are many many accounts on my credit report that are not mine I have not applied for these nor signed or used any of these I am not even finding any cards like these with me I have opened an FTC for these I have Mailed out letters since XX/XX/XXXX and nothing is being done I am getting frustrated and I need help to clean this off my credit ASAP!!! 
XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$14000.00} XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX CARD - Acct # XXXX Opened XX/XX/XXXX Amt {$6700.00} XXXX BANK USA -Acct # XXXX OPened XX/XX/XXXX Amt {$340.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$2300.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2500.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2000.00} XXXX XXXX  XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3400.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX XXXX {$3000.00}
Consumer complaint received 2020-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (VA)

When after-quarantine shopping on XX/XX/XXXX at Macys I was advised by an associate that I may get extra 25 % saving first day shopping if applying for Macy 's credit card - then I've applied and the application was immediately denied with remarks that I will get an explanation, which i got - see attached. It says that " my previous relationship with Citi affiliates ( sic! ) they decided do not serve me more. When I saw " Citi ( ank ) " I immediately reveal the case : I've had my IRA with Citi Bank for more than 10 years until XX/XX/XXXX, when I got a letter from IRS saying that Citibank reported that in XXXX I've pull out from my IRA $ XXXX and did not pay taxes on that owing to the IRS about $ XXXX on back taxes. As a matter of fact on medical emergency I've took out $ XXXX, but according to IRS rules returned $ XXXX back to my Citibank IRA in 50 days ( less than 60 days required by the law ), while reported the $ XXXX as my income in XXXX tax year. I contacted IRS, they requested the statement from Citi on the return and its dates-attached, and recommended to contact Citibank to correct their iRS reports. I've called Citibank and was told that '' Citibank did everything correct and I am wrong, not Citibank. Then I've contacted the IRS again reported on the conversation : finally the IRS fixed the issue and I am no longer responsible for the Citibank error. Eventually, Citibank had been reprimanded and punished for its wrongdoing and it became the issue that " Citibank affiliate decided to " punish '' me with Macy 's credit card that it manages. If I knew about such Citibank attidude would never shop at Macy 's. But taking into account such an attidude I've decided to complain : there is no other reson to deny : I have credit score 750+, own a house, employed and never was late on any payments for 35 years.
Consumer complaint received 2021-05-26
Product: Checking or savings account — 
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive had fraud happen to me many times. Stating im married when im actualmente single. THE DEPARTMENT OF EDD TRIED USING MY INFORMATION ON THEIR BEHALF. THEY EVEN SAHRED AND EXPOSED MY INFORMATION. IVE LET THEM KNOW ON THAT MATTER AND THEY HAVENT DONE ANYTHING ABOUT IT.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A. (VA)

I'm relatively new to the world of credit, I applied for one PNC Bank Credit Card and got declined, then the internet popped up more applications and I did not have knowledge that applying to other credit cards would hurt your score, so I applied to others and now I have some dings to my credit and credit card companies have sent rejection letters back saying that I have too many inquiries. Is it possible to get these inquiries off my credit report? I had no knowledge that applying and getting rejected hurt my credit and these websites like ( XXXX XXXX ) made it seem too easy to apply and it never warned me that it would hurt my credit. If i could get these dings off my credit it would definitely help, thanks.
Consumer complaint received 2021-08-19
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. (FL)

I am attaching a copy of my ID theft report for a XXXX  XXXX XXXX account being reported on my credit reports. XXXX  XXXX XXXX is ignoring the fact that I did not open this account and as stated in my ID theft report a past roommate/Co-habitant used my personal information to open this account. Please see the attached theft report. Furthermore, In accordance with FCRA 605B ( 15 USC 1681c-2 ) I hereby give you 4 days to block the information I am reporting as it pertains to fraud.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

TransUnion continues to report things that have been paid and were not even on that report system before and are now showing up. They have no interest in taking my facts and proof. I feel like they are attacking me personally because I have disputed them. How can I get this resolved? My credit score I have worked hard to raise as I am looking to buy home soon. They still have not settled last dispute. I was 26 days late on payment and they list it as 30 even with proof. The XXXX XXXX XXXX I paid off while back and it should not even be showing up and today XX/XX/year> it shows up? I really need to fix this and feel helpless at this point. PLEASE I am begging for your help.
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Porsche Financial Services, Inc. (FL)

they keep denying me for XXXX  but told the credit manager at bentley that bc i filed for bankruptcy 14 years ago even though i withdrew my filing and was dismissed in XXXX, but in the letters they XXXX  and say something else i just bought a XXXX bentley not sure why this is my 4th one and they keep denying me i belive there really denying me bc im XXXX and XXXX
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

After review of my credit report I found that LVNV is reporting an alleged debt of {$600.00}. I mailed two letters requesting further information on this debt and their authorization to collect. This company has ignored all of my requests. As of this moment I have not received any further correspondence from them.
Consumer complaint received 2018-02-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: GFS II, LLC (OH)

Today is the 3rd time XXXX  at Gateway Financial has contacted my family/friends without attempting to call me first.  I have repeated asked that I be contacted first on my cell and at least give me an attempt to answer her call prior to contacting my family.  I consider this harassment.  In addition, I have repeatedly advised them that I will be getting a bonus on XX/XX/XXXX.  They count the payments late but consider each month two payments because they are bi-weekly payments now versus monthly.  I have paid well over what the truck is worth and still owe triple what it is worth.  I got locked into this loan by a shady dealership (XXXX).  I was rushed into signing documents and got caught in a loan that is ridiculously upside down from the very beginning.  But I am taking ownership and paying it.  I have gotten in a few situations financially with job losses of my fiancé and it has been a nightmare trying to deal with them through it.  I have had other companies who were much easier to work with (XXXX XXXX for example).  I am tired of this constant harassment and threats to repo via email but then I can't email back my plans to pay (I have to talk to XXXX and be degraded like a school child).  I have had enough.  It should be against the law to continually contact family/friends without attempting to contact the customer.
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX, I was talking to XXXX XXXX from PNC Bank and he ended my application process for a refinance of my home because he said that my XXXX retirement was not permanent and that he couldn't use it for income because my pension has income limitations just like Social Security has income limitations. My pension comes from the Office of Personnel Management ( OPM ) and is as permanent as my XXXX. OPM is the federal government retirement system. I have been receiving this pension since XXXX when I retired with XXXX from the XXXX. I was a XXXX XXXX for 10 years and have been retired for 16 years. I just want to be able to participate in the economy and acquire loans and it's terrible that I would be denied a loan because of my XXXX when my income is more secure than most people working out there and you have my home as collateral.
Consumer complaint received 2019-11-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber (CA)

Grant & Weber collection agency is intentionally, and fraudulently, damaging my credit. They received this debt from a medical procedure that was performed on me in 2013 - my employer was supposed to cover the cost of the procedure, but then reneged and lied to the hospital about the status of my insurance coverage ( separate issue ). Since 2013, Grant & Weber has charged over {$5000.00} in interest on the collection account. In addition, they have reported to the credit bureaus EVERY MONTH a 'failure to pay ', even though I never established a payment plan with them. This monthly logging of the 'XXXX  ' is causing the account to be refreshed/renewed each month, instead of progressing through the fall-off period. They are intentionally, and fraudulently, reporting it this way so that the debt can not fall off. I have contacted Grant & Weber to dispute the debt, but they refused to investigate, and refused to help me with the original creditor.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

I called commenity bank in XXXX to pay account in full. I asked the full balance including late fees. They agreed to remove a late fee if I paid the card in full that day. I Paid the balance due less the late fee as they said they were removing one of them and the balance was paid. I received a bill beginning in XXXX for {$37.00} which was the late fee. I refused to pay it as the account was paid in full. Now they've charged me a late fee again and I owe {$74.00} and they've reported it to my credit report! I called to no avail. They say I owe it.
Consumer complaint received 2021-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (MD)

I had an auto loan with this company. I got out the loan by trading in a car and the loan was paid off over 2 1/2 weeks ago. Flagship has not reported this loan paid and effecting my score. 

Flagship does not accurately report.
Consumer complaint received 2021-08-19
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: Experian Information Solutions Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (VA)

The lease company ACIMA has been lying and denying my rights and at this time I have been discriminated against. XX/XX/2020, I contacted ACIMA credit and was told that if I paid XXXX then I could use their service in the future but if I settled I could not and was told that if I settled the account could be deleted at my request. In XX/XX/2020 I was advised that I couldnt have it deleted even after the settlement. In XX/XX/2020 I asked if I settled if the account could be deleted and I was advised yes once settled they could send a request to have the account deleted from my credit report. However, I have continuously disputed the information and have been advised that on this very call back in XX/XX/2020, that I was never advised that if I settled the account would be deleted. I would like to have the call subpoenaed because they have been lying and providing the CFPB with lies and WRONG information and this is discrimination because of paid less and for other XXXX reasons. The account is being reported as a VEHICLE LEASE on my credit report and this is wrong. Im going to sue. I think that this company has treated this account unfairly so please review their trade-lines with other customers and determine if they have been deleted for other customers after a settlement. I just keep getting the same lies and Im going to sue and have the call back in XX/XX/2020 subpoenaed. They will wish they deleted this tradeline when I get this call subpoenaed from XX/XX/2020. My rights as a human being and As A consumer has been violated.
Consumer complaint received 2020-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (IN)

I was notified today, XX/XX/2020, via XXXX that a derogatory mark was placed on my credit score from Williams & Fudge Inc for {$1900.00} for XXXX XXXX XXXX XXXX. I was never notified of this debt, never contacted prior to the derogatory mark, never given this amount, and all of my XXXX XXXX XXXX XXXX debt is being paid through my student loan providers with a 100 % on time payment history. I have not contacted this company because it doesn't even look legitimate to me. The amount owed is a random number and I don't owe this / have never owed this random amount via any college related expenses.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (CA)

I am a victim of an online scam. Yesterday, Monday XX/XX/XXXX at about XXXX PST I contacted a former school childhood friend of mine via XXXX XXXX XXXX : XXXX ) regarding a post on her XXXX XXXX. It stated, Bitcoin XXXX investment opportunity, contact ( username : XXXX ). So I did. XXXX, I feel that XXXX XXXX 's XXXX account has been hacked and XXXX has scammed me. I have contacted my friend XXXX XXXX through XXXX email and she has not emailed or called me. I transferred via Zelle through XXXX  XXXX XXXX {$2000.00}. And I was promised a profit return of {$20000.00} within three hours. I followed XXXX 's instructions; downloaded XXXX app, created a XXXX  account and also created an account on XXXX. And then made the Zelle transfer of {$2000.00} to XXXX. At XXXX XXXX on XX/XX/2022 I received an email from XXXX stating, " Hello XXXX XXXX now you need to pay for mining fee because we are mining on your behalf to make your profit. Your mining fee is {$5000.00} and it will be added up to your profit. '' I contacted XXXX and told her that this was not disclosed to me in advance and that I was not prepared to transfer {$5000.00} additional. Additionally, Zelle 's 24 hour limit is {$3500.00}. Therefore I negotiated and said that I would transfer {$1500.00} and pay another {$1500.00} the following day, totaling {$3000.00} for the mining fee. Thank god the {$2000.00} ( which was supposed to be invested ), wasn't accepted by the receiving party. This morning Tuesday XX/XX/2022 I cancelled the {$2000.00} payment and it was credited back to my checking account via Zelle, However, the {$1500.00} has been taken by " XXXX, '' XXXX. I demanded that the funds be transferred back to me. And they wouldn't do so. I've contacted Bank XXXX XXXX Fraud Department Zelle Division, the XXXX XXXX Police Department today and am also filing a claim with the FBI. I have 73 screenshots of the process with the dollar amounts, communications, photographs, etc. if needed. Please help me recover this {$1500.00} that was illegally stolen from me.
Consumer complaint received 2023-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

Over the past 2-3years, I have been denied P2P service of PayPal Inc . I submitted several complaints regarding this company yet nothing is getting done. This year I recently try to get my account activated again so that I can send payment out to a merchant who only takes funds to PayPal. I contacted Paypal through another complaint and PayPal Executive Team got back to me claiming that I can pay off the negative balance that was sent to various collections agencies with no tracking system. Now that Im readily available to process payment to PayPal collection agency since the debt was brought back, a collection service rep told the debt has been forgiven since its been way past due. He advised me to reopen a new PayPal account with a different email and transferred me to Customer Service Dept to get that request done. Somehow customer service does not see any debt forgiven and transferred me back to Collection Dept. So this process of getting a new account is stuck in limbo. Please have an Executive Team Member stay on the phone with me and fix this issue.
Consumer complaint received 2024-04-06
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. (TX)

I am writing to follow up on the letters I sent on XXXX and XXXX regarding the unknown inquiries on my record. Despite my previous correspondence, these inquiries have not been removed as of today. I kindly request your prompt attention to this matter and appreciate your assistance in resolving it. Thank you for your attention to this important issue.
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX a notice of settlement was received from Midland Credit Management advising " This is a attempt to collect a debt and any information obtained will be used for that purpose. '' The letter stated this account had a charge off date of XX/XX/XXXX. 

On XX/XX/XXXX a debt validation letter was sent to Midland Credit Management in an attempt to confirm proof that they own the alleged debt. tracking number XXXX XXXX XXXX XXXX XXXX. To which the collection agency never responded. 

All 3 bureaus list alleged " XXXX '' account as closed and collection/chargeoff. 

Then on XX/XX/XXXX, XXXX dispute results were received and there was an observation that on XX/XX/XXXX " XXXX XXXX XXXX '' initiated a soft inquiry on credit report and also on XX/XX/XXXX there was another soft inquiry from " XXXX ''. It should also be noted at time of inquiry neither " XXXX '' or " XXXX XXXX XXXX '' had any open accounts listed on credit report. 

On XX/XX/XXXX a letter was received from XXXX that stated " This account has been assigned to XXXX XXXX ''. How can an account be assigned to a company that has already closed and charged off said account? 

How can there be an inquiry on consumer 's credit report when the closing and charge off of account thus ended any business relationship? This egregious action has caused consumer harmed and has clearly violated FCRA 616 ( a ) ( 1 ) ( A ) + ( B ) Civil liability for willful noncompliance as report was obtained under false pretenses.
Consumer complaint received 2021-06-07
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: TRUIST FINANCIAL CORPORATION (FL)

Regarding SunTrust Account 's. Disclosing personal information to create multiple accounts reported to the XXXXXXXX Credit bureau and currently i am fighting this assignment fraud. XXXX Identity Fraud, Identity Theft dates, Co-conspirators & ROBO-signors Mortgage Servicing Fraud occur new account information and other transfer fraud MERS Mortgage Fraudulent transfer, Transferring a mortgage to another servicer. Fraudulent Assignments and fraudulent activity created a car loan account. Fabricated assignments, forged signatures and utter counterfeit created to fraudulently obtains a mortgage on my property. going on in Florida. Case Number : XXXX XXXX XXXX Case Style : CSMC 2019 RPL3 TRUST V. SHIRLEY BAKER, ET AL Div : 31 - XXXX XXXX. Case Status : OPEN Case Type : CIRCUIT CIVIL. Weekly Circuit Civil Foreclosures Report Clerk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXXXXXX case ( XXXX ) XX/XX/XXXX : 2020 XXXX  cici : XXXX XXXX XXXX XXXX a florida municipal corporation attorney XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX fl XXXX XXXX XXXX XXXX