davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I've been disputing XXXX XXXX account along with other inaccuracies with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX XXXX myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX XXXX, TransUnion, and XXXX XXXX.
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

Trying to find out what this is for XXXX popped up on my credit report. The collection agency has not provided any further information. At this point I would remember if I opened this account in XX/XX/XXXX and it states on my credit report.
Consumer complaint received 2022-04-27
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. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSTATE CREDIT UNION (IA)

I traded my XXXX XXXX at XXXX XXXX XXXX on XX/XX/2023 and the purchase agreement was {$18000.00} and they confirmed pay off that day. I stopped an automatic payment that was going to come out of my account on XX/XX/2023 because they were getting a check with the amount before that payment came out to pay the whole thing off. Green State Credit Union received the check and placed the extra money into a savings account and never informed me of this transition. The title was given to the dealership and the car was then sold. Green State called me and claimed that I still owed {$560.00} on the account and argued with me because I knew that I didnt owe that. I confirmed with the dealership that the entire account was paid off. When the dealership then contacted them, they realized they messed up and put that money into a savings account and at the point transferred it over. They then tell me that I now owe {$70.00} for late fees and the interest that has built up since XXXX. I said how is this because your company placed the money into a savings account, in which I was never informed about and had the payment the whole entirety that youre saying the interest was acquiring. So, dont believe that I should have the delinquent payment on my report for them not transferring money to the right account. They told me that they would knock the late fee off because of the situation so I paid the {$43.00} that was interest.
Consumer complaint received 2021-07-11
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. (OH)

I lost my wallet and now after reviewing my credit report I see someone has been trying to buy things using my personal information. I have not given any of the companies that are on here to review my credit for anything.
Consumer complaint received 2020-06-28
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)

XXXX  HAS REAPPLIED ONE ACCOUNT THAT WAS DISPUTED/DELETED WITH XXXX XXXX  XXXX THAT NOW SHOWS AS BELOW ON MY CREDIT FILE : XXXX XXXX {$0.00} Closed 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit {$0.00} {$750.00}
Consumer complaint received 2022-04-02
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. (MD)

On XX/XX/22 I spoke to an associate at each of the adhering to business, XXXX, XXXX, and Transunion concerning the possibility that they were reporting fraudulent accounts on my consumer documents. I pleaded with them to get rid of these accounts as I had no understanding or details on where these accounts came from. I was told by all XXXX companies that I needed documents and also to submit an FTC record. I did simply that and sent my letters using certified mail on XX/XX/22. After 30 plus days from sending my letters, the accounts are still showing on my record and also were in some way " verified '' even though they are not mine. I am incredibly overwhelmed and also disappointed over this because my family members as well as I are trying to buy a home and this circumstance is maintaining us from being able to do so. I called all XXXX companies once more on XX/XX/22, asking how they somehow verified that these accounts were mine however they only told me to speak to the creditors directly which they couldn't do anything else to aid me. I tried calling all the financial institutions that were fraudulently reporting on the customer file, as well as with no shock they had no understanding of me or the accounts either. I am not exactly sure what else to do and after looking into on the internet I came across the CFPB web site that some good friends of mine told me would certainly help me with my situation. I actually wish this helps because my family as well as I frantically need this home we are attempting to look for.
Consumer complaint received 2021-05-24
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. (AZ)

On XX/XX/2021, I contacted XXXX to dispute a fraudulent charge off account with XXXX XXXX Bank. I never had an unsecured loan with that bank. I was told that I couldn't dispute the account nor could I remove the fraudulent address associated with the account. A letter was sent to the actual creditor and they had no contract of an unsecured loan with my name and SSN. I noticed on my credit report that the account went from {$18000.00} to {$13000.00} within a couple of days from talking to XXXX On XX/XX/2021, I got an alert from XXXX saying that the account was completely paid off. I never made a payment. I called XXXX on XX/XX/2021, and asked to dispute the account. I was told that the account can't be disputed ever again. I asked why and was told by XXXX ( rep for XXXX  Special Services ) that the account had been blocked for fraud previously but XXXX XXXX Bank sent XXXX documentation of a loan in my name and SSN. I asked why XXXX has never sent me this documentation and was told that I have to contact the creditor because it's not XXXX job to send documentation that validates a debt.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Please be advised Im extremely upset and feel as if Ive been discriminated against. There was an issue where I went to deposit money in my account which I took from my business account to put into my personal account and I have proof of it so I dont care who is reported to Bl navy federal, A XXXX Georgia continues to call and harass me as of today I got a call from the local office the young lady didnt even know my name she called me XXXX XXXX XXXX The amount of money was {$10000.00} we miss counted myself and my husband didnt realize that it was {$90.00} over XXXX we ask the young lady to send the money back instead she deposited {$10000.00} in my account and withdrew it is what theyre telling me but I never seen {$10000.00} even be deposited to my account is nowhere on my transaction I checked my bank account every five minutes. Second I feel as if Im being treated like a criminal as if theyre saying that its impossible for someone of my race to be able to deposit that much money in the bank that was money that I have been saving from my business earnings and I also was employed my husband works we are not criminals and I dont appreciate being treated this way. I will also file a claim with the attorney generals office because something at the local navy federal office is not right and Im tired of being harassed Im tired of the phone calls like this was in XXXX why am I still getting calls that shouldve been taken care of already report it to who you want to report it to because Im not a criminal Im not stealing Im not doing money laundering. And I really dont appreciate it and Im going to take this all the way to the top if I have to because I really feel discriminated against. And for now them calling saying that they need my husbands name because he was in the car he drove the car were Married, I asked the young lady to not call my phone again and have a supervisor call me still to this day no supervisor is XXXX called me this is really ridiculous that your XXXX made a mistake and I am being harassed for it. Its also the same young lady thats always at the tailor every time my husband and I go she is XXXX  and I feel like shes discriminating against us because we make cash deposits sorry that were making cash deposits. My husband owns a box truck so therefore its money that were making from the business if we were trying to hide anything we wouldnt bring it to the bank. I also have a consulting business and have been doing taxes so. I have to move money from one bank to another because I dont have a business banking account with Navy Federal so I am all my bills are coming out of Navy Federal account so I had to put the money there to pay the bills its easier for me to bring the cash to the bank but I said it is a problem and Im going to be discriminated against and your XXXX XXXX XXXX is always there in the XXXX area is going to continue to harass us and I really really have a problem with this
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

To whom it concerns, In accordance to the Fair Credit Reporting Act, my right to fair consumer reporting is being violated. A chapter XXXX Bankruptcy is being reported on my Equifax and XXXX credit report. All information is not accurate and should thus be removed. According to 15 U.S.C. 1681 its states that I have a right to privacy as well as a right to dispute inaccurate information on my credit report. I have tried to correct this with the bureaus who state they did an investigation and verified this account. However, the report from these two bureaus are still reporting inaccurate information and is causing damage to my credit score. 

I request that this erroneous information reported by Equifax and XXXX be removed from my report immediately.
Consumer complaint received 2020-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (GA)

Hello, My name is XXXX XXXX and I am a victim of identity theft. My Identity was originally stolen in the year XXXX. I was sent a certified letter today XX/XX/XXXX, for garnishment of wages. The original account company apparently is Citibank/Home depot. I have never had an account with this company in question. I am also XXXX and I have been receiving benefits since XXXX. This is a fraudulent account and was opened without my knowledge nor consent.
Consumer complaint received 2022-04-02
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. (DC)

XXXX XXXX XXXX is on my account twice for the same charge, when I only had one closed account with them.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I contacted Citibank credit cards about my Citi Prestige credit card in XX/XX/XXXX. I wanted to cancel my card due to the high annual fee but they offered me a retention promotion. 

They said several times I needed to spend {$4000.00} in 3 months by XX/XX/XXXX and I even gave the representative from the retention department an example where I said if I spend {$4000.00} tomorrow Ill qualify and she said yes, as long as its after today. 

After several billing cycles I noticed there was no credit so I reached out to the customer service via Citi mobile app on XXXX occasions. The first time, they told me the details of the promotion in writing, again not mentioning that it was PER MONTH. I followed up and got no response at all. 

After this I contacted them again and they told me I already received it when it was an unrelated offer regarding points and not the statement credit. 

Finally, I contacted them a third time and they said to call them but the department was closed. 

I dont know if Citi is systematically lying or it was this one representative but there might be some grounds for a class action lawsuit or something of that nature since Ive had to contact them on 7 occasions now and the issue seems purposefully misleading and unreasonably difficult. There may be thousands of people experiencing this. 

Im on the phone now and they are telling me since I didnt meet the requirements they cant credit me. This is unbelievable, I thought by manually contacting the department in charge I would be able to get it in the end. I kept this card account open and spent over {$11000.00} more due to deception
Consumer complaint received 2021-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (FL)

This is the follow-up to a complaint ID XXXX that was closed without resolution. The information that the company provided is attached. This did not resolve the problem. The questions that I have for the mortgage holder at this time are as follows : Were any of the checks that were sent cashed? Can you provide a copy of who signed for them to be cashed or deposited. The Credit Union that my father uses does not have any of the funds returned. I, XXXX, have not personally seen these letters or cashed any of these checks. I am the POA for my father who had a XXXX, therefore he has not signed or cashed any of these checks. The letters/checks that were addressed to my mother, XXXX, should have returned to you as she expired in 2011. I have talked to the current holder of the mortgage and they have told me that they have never received any funds from Citibank. The automatic payment transfer to the new mortgage company was set up at the time of the transfer from your company to the new servicer. While I do understand the response, I do not know what has happened to all of the money that was removed from the account since none of the checks were ever received or cashed by either myself or my father. Please provide information if these checks were cashed or deposited as my father has only one account.
Consumer complaint received 2020-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

Southwest credit Collectors ( https : //www.swcconsumer.com/ ) has repeatedly called me even multiple time per day, and has called others associated with me identifying themselves as a debt collector. I have spoken with the several times and identified myself, but they would not identify the entity that I own money nor would they tell me the amount. After multiple attempot by me to get this information from them I told them to no longer contact me via phone or any other means. Yet they continue to call me and have expanded their phone calls to my relatives and associates. I again told them not to contact me except by filing a court case today.
Consumer complaint received 2022-04-27
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. (VA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MO)

My last credit report from all three agencies is dated XX/XX/XXXX. As usual, shortly after XX/XX/XXXX I send all required documentation that identify my identity to all three credit reporting agencies. I never receive a report. I understand we were at the beginning of the pandemic. I wonder : What happened to that mail piece with lots of identity data? 
How do I know that if I send my identity information again I'll get my reports? 

I am just a financially responsible individual that like to keep my credit database correct as is my responsibility. Credit agencies will add to our record anything that smell, look and might sound like belongs to us without any responsibility. Credit agencies only respond to financial institutions that pay and finance to some extent credit reporting. I understand and accept that fact. 

Please provide an answer to both questions at your earliest convenience.
Consumer complaint received 2021-02-02
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. (GA)

I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX, GA XXXX. I never paid the following accounts late, XXXX XXXX XXXX : TransUnion is reporting a payment status of current but reporting 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX, XXXX is reporting unknow payment status and and no payment history, XXXX is reporting a payment status of current but reporting 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$420.00}, XXXX is not reporting this account, XXXX XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$26000.00}, XXXX is not reporting this account, XXXX/XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$560.00}, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$0.00} and XXXX  is not reporting this account, XXXX XXXX Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$560.00}, XXXX and XXXX are not reporting this account, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$350.00}, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Consumer complaint received 2022-04-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (SC)

I have a leased vehicle with Ally Finances. I received a notifier a couple of weeks ago showing that my credit score has dropped by XXXX points. I check to see what was the issue and found out that alloy basically reported that I was not making car payments. I called Ally only to be in form that the car that my ex-wife has hasnt been paid on and a Extension had been added to the vehicle. So I asked him why wasnt I notified that the car payment was late and about the extension. He stated that they notified me. I requested all of the contact information they had which was all wrong my address was wrong the email address on file was wrong and also the telephone number was wrong. They also informed me that a extension had been accepted for the vehicle payments which I did not Request or Give consent to. They informed me That I would be responsible for the extension payment of 500+dollars. I explained to them that I dont see how I would be XXXX responsible for something that I didnt request nor did I give consent to nor was I contacted. Upon a father conversation with them I found out that they allow an unauthorized person to change all the contact information associated with my account and also allowed them to make unauthorized decisions on my account. So I explain to them that all of the contact information they had was wrong I was told two different stories the first customer service rep told me that no one could make changes to my account unless they have the account number and I told him no had access to the loan info because it locked in my truck. The customer service supervisor told me that someone could make changes to my account if they know the last four numbers of my social my name and address or just the account number. They had been sending the bill statement to the wrong address with the account number on it. So I was told two different stories. To make a long story short they expect me to pay all these fees that I didnt authorize.