davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
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. (NY)

XXXX XXXX  on my credit report ( XXXX, transunion, XXXX ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my XXXX I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off transunion, XXXX and XXXX. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from XXXX, Transunion and XXXX XXXX XXXX XXXX open on XX/XX/XXXX, Transunion and XXXX removed but XXXX still didnt remove it
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I called TransUnion on two occasions and simply asked for a Transunion affidavit victims assistance form mailed to me and the same woman tells me that shes not sending one to me and I can get it at the FTC website triple www .FTC site to get a Transunion identity theft assistance form I know the FTC would not have this because its the FTC not TransUnion Im being denied of getting a simple form and I feel this is a violation Im reaching out to get this correct form that Im being denied of Please advise Thank you sincerely XXXX XXXX. 
Last XXXX of my as is XXXX
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a pre-paid debit card from Bank of America which has been locked since XXXXThis card has over {$20000.00} and I need this card unlocked. I have been calling Bank of America everyday but no help. 

Please help me resolve this issue, BOA has held a large amount that is ours. 
Thank you.
Consumer complaint received 2021-11-06
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. (TX)

There are several items that are reporting on my credit that do not belong to me. 

Incorrect Names : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX  ( XXXX ) Incorrect Address : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX, XXXX XXXX ( Equifax ) The following items do not belong to me ( Fraud Account ) - XXXX XXXX  ( XXXX ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX  ) - Bal : {$21000.00} - XXXX XXXX  ( Equifax ) - Bal : {$21000.00} - XXXX XXXX  ( XXXX, Equifax, XXXX ) - {$52000.00} - XXXX XXXX  ( XXXX, Equifax, XXXX ) - {$36000.00} - XXXX XXXX ( XXXX, Equifax, XXXX ) - {$1300.00}
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NC)

CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX accounts XXXX. {$130.00} This account was removed from my credit report as fraud how ever it has still not been removed from my report effective my credit score
Consumer complaint received 2021-01-22
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: Convergent Resources, Inc. (AR)

On XX/XX/XXXX, I submitted my initial complaint ( XXXX ) for an account appearing on my credit report that I never opened or received any goods or services on behalf of. At the time I I've noticed yet another clear violation of the Fair Debt Collection Practice Act being permitted by Convergent Outsourcing whom has violated section 1692e 8 ( Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed ) Convergent Outsourcing has failed to mark this debt or account has disputed which is automatic grounds for removal of this account from credit report. The companies reply was, Convergent Outsourcing will update the disputed status of the account to the credit bureaus ; as required. As of today, XX/XX/XXXX, this account is still reporting to the credit bureaus and has failed to mark this debt or account as disputed which is automatic grounds for removal of this account from credit report.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Failure to delete by Transunion. I requested debt validation/verification, Blacks Law Dictionary 6th Edition ; ( Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition ) or sent or contacted me 5 day prior to give " Mini-Marandi '' under FDCPA Sec. 809 before placing this on my credit reports, from Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX, in which I got none of the information requested, in which violates the FCRA and FDCPA.Also, the furnisher in the state of TX ; be it a creditor, third party debt collector/debt buyer is considered a debt collector in the state of TX with cases to back this up on the record. 

Due to the complexity and intricacy of my original dispute, I find it difficult to believe that Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXccount # XXXX was contacted by the credit reporting agencies. This type of conduct makes it difficult, if not impossible for a consumer to correct inaccurate information in their credit file.
Consumer complaint received 2019-10-22
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. (TN)

Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed and should be reporting a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be reporting accurately. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXXMy card was stolen and used at a number of ATMs and possibly one check cashing location for a card advance. I reported the fraud when I became aware of it the next morning. I don't know how someone got my pin number other than that I did use the card at an ATM in a bar prior to leaving to go home for the night.

My claim of Fraud was denied on the XX/XX/XXXX and I was instructed that If I wanted to have the claim reconsidered I would have to open a police report for the theft. I did report the card theft and the theft of {$1400.00}. The case was reopened with Bank of America. The bank last week finally got back to me and said again that there was no fraud. They cited their reasons for their decision as : Pin number was used and no attempts were declined indicating that whoever was using the card had knowledge of my bank account.

The person using my card at ATMs was covering their head and camera footage was not available to determine who it was.

There were in fact, a number of attempts that didn't go through because they tried to take out more money than I had and, once my account was cleaned out, I was at a negative balance of over {$700.00}.

The bank is now saying that I need to submit new evidence in order to reopen the case. I do have a receipt for a Pizza I bought at the time of the fraud that was delivered to my home which is no where near where the card transactions took place. I am unable to get a cell phone usage statement from XXXX  without a subpoena and I was asleep for most of the fraudulent activity so I have no other evidence of my whereabouts at the time.

What more is there to be done? I'm still out {$1400.00} and the bank has been charging me overdraft fees that I am unable to pay because all of my money was stolen. I additionally had to take out a loan from my parents to cover the loss as this occurred just after my pay day. MY bank account is still over {$700.00} negative. I have since opened an account with a new bank since I can't trust keeping money with Bank of America?
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation (FL)

XX/XX/XXXX received a bill in the mail from XXXX XXXX fortiva account in the amount XXXX Bill stated it was due on the XX/XX/XXXX, even though I received it on XX/XX/XXXX. Payment was made in the amount of {$60.00}. No bill or email statement was sent prior to XX/XX/XXXX or any previous month. 
XX/XX/XXXX received bill in the mail with a statement stating that I owed XXXX the {$60.00} previous statement had a {$30.00} dollar late fee and only {$30.00} dollars was applied to the balance. I called customer service at fortiva to then complain how can you charge me a late fee if i get the bill 2days after its due?. I was told " at least you got it in the mail '' and the fees can not be removed and I wanted to close the account immediately. I wanted to speak to a supervisor and was told that wasn't possible. I immediately wanted to complain and could not over the phone and told me I could close the account at XXXX XXXX. So the next day XX/XX/XXXX I went to XXXX XXXX   in XXXX XXXX florida to speak to a manager. The manager on duty told me he would call and get back to me, 3 days went by and no call. I go back to the store spoke to a new manager and told him I wanted to close the account and did not want to be charged anymore fees and would pay off the {$220.00} balance immediately. He said no problem and he would take care of it. Have not heard back from XXXX XXXX manager since and now XX/XX/XXXX fortiva has charged me {$90.00} in fees and {$80.00} in interest, I have not received a bill since XX/XX/XXXX. 
XX/XX/XXXX I call fortiva and im told I have to pay XXXX on a now closed card and that they will continue to charge me fees and interest, I offered to pay the previous balance after explaining to them what has been happening even offered to pay the balance including the 3 late fees to close the account totaling {$310.00} and refused me saying they can only accept the {$400.00} dollars and until its paid it will keep incurring fees.I have made several attempts to get this sorted and can not believe this is a real company. I have requested the phone recordings and feel like i'm being extorted. No one at XXXX XXXX  can help me. XXXX is the email they gave me and was told someone will be contacting me. In XX/XX/XXXX I realized that this company was bogus and wanted to cancel the card before it got out of control. My original available balance on the card was {$500.00}, the card was closed before the 90 days of non payments agreement as well. The current balance of XXXX is well under the card limit, I also brought that to their attention. I was told they closed my account in XX/XX/XXXX and I had no notification. That was 60 days after my last payment well before the company 's policy. Im working very hard to improve my credit and absolutely regret dealing with this company. This is absolutely extortion style tactics, especially since ive made so many different attempts to rectify this situation.
Consumer complaint received 2020-07-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

opened account with pen fed credit union cuna ins attempting to take money repeatly opened account with XXXX dollars just want to close account and my XXXX dollars they say they need to send security code to XXXX mail when i opened account it no longer exists please help do not want anything to do with pen fed
Consumer complaint received 2018-02-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

I Wrote XXXX XXXX to Validate debt ( acct # XXXX ) was mine with my signature. I receive letter XX/XX/2018 that they didn't have any information on me. That the ownership of this account has been transferred to XXXX XXXX, XXXX See letter below.
Consumer complaint received 2018-02-05
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. (MI)

I called Transunion Credit reporting agency on Thursday, XX/XX/XXXX. After being on hold for at least 15 minutes, I spoke with one of the Reps. about several Hard inquiries on my credit report that I do not recognize and appear to be UNAUTHORIZED. The Rep from Transunion told me that the inquiry was a " Statement of fact '' and that it could not be removed. I explained to them under the fair credit reporting act, they must verify each item I am disputing and if they cant, under the law, all inaccurate information must be removed. ANY. I was basically then told to have a nice day and the call ended. I am now filing a complaint with you to take swift action. I am requesting the following items be removed from my credit report as it is hurting my ability to maintain my true credit score and my ability to get credit that I deserve. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please make Transunion follow the law and make them remove these hard inquiries from my credit report. Thanks very much!!!
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (TX)

My Macy American Express account is not reported to XXXX and XXXX and I would need have this account reported back to the credit bureau and then I will pay the full balance at local Macy mall in my city to continue the relationship with Citibank thanks
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

In 2017 I contacted Equifax and informed them that they are reporting erroneous information regarding a XXXX XXXX account on my credit report. They are reporting an incorrect balance amount. I requested an investigation and they refuse to remove the incorrect information.
Consumer complaint received 2018-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (IN)

Perfection Collection never notified us via mail or phone that we were taken to collections. We did not have any idea we weren't sent to collections until I called the company. 

XXXX never notified us via mail or phone that they sent any debt to collections. There salesman also lied in our agreement. We stated we would be moving within 2 years and he stated we could cancel at anytime if we move. He was trying to make a sales on false claims. 

Either company can not produce our original contract. 

Communication and lying are being reported. Below are other reports of this happening off the BBB. 

GOVERNMENT ACTION Gov Action Utah DOPL On XX/XX/XXXX the Utah Division of Occupational and Professional Licensing ( DOPL ) found XXXX, XXXX employing an unlicensed individual as an alarm company agent. Respondent was issued a fine of {$400.00} which has been paid. 

GOVERNMENT ACTION Pennsylvania Attorney General Settlement On XX/XX/XXXX, Attorney General of Pennsylvania entered into a Settlement Agreement with XXXX, XXXX. According to the settlement, agents from XXXX allegedly made the following misrepresentations in door to door solicitations : XXXX agents said they were affiliated with the consumers ' existing security companies. 
Agents further said that consumers ' existing security systems and services n GOVERNMENT ACTION State of Texas v. XXXX, XXXX. 
On XX/XX/XXXX, XXXX , XXXX. and XXXX XXXX XXXX , XXXX. entered into an Assurance of Voluntary Compliance ( AVC ) with State of Texas. The State of Texas alleged XXXX  employees engaged in door-to-door solicitations for home alarm system goods and services in Texas without being authorized to do so as required by the Occupations Code and some of the XXXX  employees engaged in door-to-door solicitation in Texas after
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (LA)

Discover Bank Supervisor, did a third party call to The Social Security Administration inference to me of someone is rejecting my payroll, when they should be putting my payroll their, in my checking account. The Supervsior, at the Social Security staff sent my Payroll to a close account, instead of and Open account, XXXX XXXX, than is correct maybe two account should have been opened, due to XXXX XXXX fraud, of wanting {$1200.00}, for {$300.00}, when Discover Bank did pay them on my payroll!! XXXX is committing the Fraud!!! 

I did give the Supervisor XXXX XXXX, ( ssa ) the correct checking number, on a timely basis, to put my payroll check into my account, which is {$700.00}, and for 30 employers, it should have been $ XXXXx12x4 IS $ = {$4100.00}, {$700.00}, never. 

Discover Bank supervisor, called the Federal Agency, concerns about she have no control over a closed check going into a Closed Account, and she thinks it may take two up until two weeks, it will never take two weeks to process a check, that should not be rejected, instead. Only Fraud checks should be rejected, or returned, not a good Check. 

My employer, I updated the check at my employer, and it was sent immediately, the next day. 

Discover bank, when my mortage person cause my check to nsf, discover was supposed to take {$35.00}, Someone at Discover bank once took to {$260.00} of my XXXX bill and necessity money!!!
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (TX)

There are many errors on THREE different accounts for Midland Credit Management. One of the accounts is past 7 years and should be taken off my report. The other two accounts have a few errors with balances and open/close dates.
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (GA)

I have contacted the bureaus multiple times on this issue. my initial investigation started XX/XX/2021 and is long overdue for removal under the terms that the bureaus have yet to send me proof that I in fact submitted these inquires myself such as original documentation with my signature, instead, they just send letters saying it's been verified but they are going against the FCRA by not sending me the proof they obtained! I've pleaded for proof but still, no proof has been sent! here is a copy of the letter Equifax sent me in response saying it's been verified. if you in fact verified this account why have you yet to send the proof of verification to me as well! please help me in this matter! they are affecting my credit report negatively! this also goes for XXXX and XXXX
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In 2017 I contacted Transunion and filed a complaint regarding the XXXX XXXX account. I informed them that they are reporting false information. I do not owe a balance of {$610.00}.
Consumer complaint received 2024-03-03
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: EQUIFAX, INC. (CA)

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX