davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
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. (VA)

There is a collection on my account for XXXX that was opened XXXX 2016 and closed XXXX 2016 in my name. I called XXXX directly because I have never been a customer or client of XXXX my entire life. They have on their records cable billing services for a period of 3 months. I never authorized anything, I never signed anything, they dont even have a correct service address connected to me! Where I live currently is where I have lives since XXXX 2016! XXXX cable is not even available at my residence. I have provided proof of my current lease with dates and asked them to source the service address, they can can not. I have disputed it with the credit bureau as well asking for some sort of paperwork or something connecting this account to me, they have provided nothing but a late payment report! There is no address even listed! It would be impossible because I have never lived anywhere else within those service dates, nor do I have family member or friends who do! I have placed a fraud alert on my account to keep it from happening again. This apparently common. I am XXXX XXXX XXXX and these kinds of things can hurt my clearance and currently hindering my credit from home buying. XXXX nor the credit repair companies have been able to provide or show where I am related to this address connected to the service account. There is a bill in the amount of XXXX! It is reporting as a collection! I have never received a call or anything in the mail about the account! I have attached my apt lease that shows the date I moved in! I provided my light bill with my current address for the dates that cover the time XXXX is saying I occupied another property. I provided my rental insurance for my current home to show proof I am actually living and responsible for the address listed. XXXX cable/wifi/internet service is not even available in my area. I use a company called XXXX XXXX. They own right to this location Please help me understand exactly how can they not properly investigate and get the CORRECT information from this company and allow the reporting of it falsely on my account. Thank you so much!!
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (MD)

I 'm having problems receiving mail from my mortgage lender. I 've been trying to get a modification on my loan for several months. The only way to know where I stand in the modification process, is by phone. In the last three weeks, I have been unable to get return calls. I was informed a month ago, by one of the acct managers that they had my mailing address incorrect. As of today I still have n't received any mail concerning their decision. I am having problem contacting my acct manager.
Consumer complaint received 2022-02-13
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. (PA)

I have contacted the credit bureaus multiple time XX/XX/2022 being the last time disputing inaccurate and illegal reporting practices by the debt collector and credit bureaus that are reporting late payments, balances and fraudulent information that they where made aware of with phone calls, letter and documents sent by me with proof. The collections and charge off account continues to ignore my request for proper validation of the accounts that are show inaccurate information on my report. The credit bureaus keeps verifying the information which keeps causing harm to my file and ignore the inaccurate pointed out that the accounts show as open, they are reporting credit limits inaccurately and they are reporting balances which is a valuation and they are reporting missed payments on closed accounts that has no active contracts or accounts. Please enforce the law on to the credit bureau.
Consumer complaint received 2017-02-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (NV)

I am a XXXX, I sent Wells Fargo a financial instrument for {$26000.00} dollars registered mail through the XXXX. also insured, return receipt. It is legal tender for my debt and was told that they will not honor it and will not return it with an explanation telling whats wrong with it which is against the law. I 've done my administrative process to try and resolve the issue with no result. I would like to file a complaint on this very urgent matter.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (PA)

I have long ago paid off my credit card account that was in collection with Wells Fargo Credit Card Services. I 'm asking desperately to please have this account deleted from my credit report hence the fact it 's preventing me from making any financial decisions in the future such as applying for a loan to buy a house or saving for retirement etc. even Wells Fargo themselves continually denies me for such things even though I 'm qualified. Nevertheless, I would like this matter settled.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX
Consumer complaint received 2017-04-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have called in several times to XXXX and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in XXXX of 2017
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

In XXXX my identify was stolen and at some point after that a XXXX account was opened up fraudulently in my name. Multiple companies have tried to collect this debt ( {$4800.00} ) after sending it to collections on my credit report and I have had to dispute them to get them removed. In XX/XX/XXXX, Jefferson Capital has posted a collections account in the amount of the same {$4800.00} from XXXX and I am disputing this with the credit bureaus. I have never had an account with XXXX, and I have no knowledge of this debt. It was opened fraudulently.
Consumer complaint received 2022-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian : XXXX XXXX XXXX, XXXX, TX XXXX RE : Investigation Request to Delete Credit Inquires To Whom it May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to challenge questionable information that I have found on my personal credit report. It has come to my attention that you have REAGED an account. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX XXXX REAGING I am allowing you 30 days to complete this investigation and remove this account from my profile. XXXX took it upon themselves to delete this problematic account from my history without me asking so now I know you should be able to do it too. If this account is not removed, I will be reporting Experian and XXXX XXXX for illegally aging an account that was previously set to close on XX/XX/2025 to the Federal Trade Commission and Attorney General. 

Truly, XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (LA)

Credit Karma led me to believe that i could get personal loans and or a credit card to help build my credit since ive been using their app. Everytime i have been denied and my time is wasted as well as my credit report getting worse instead of improving it. This is unacceptable and should be resolved immediately!
Consumer complaint received 2019-02-25
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. (LA)

I reported identity theft to the 3 credit reporting bureaus ( twice ) some of the items were removed, including unauthorized inquires from the theft. Two accounts are still showing and some of the inquires. I sent out the identity theft report at the end of XX/XX/2018 via certified, for the second time and requested these items to be block and/or removed per my rights granted by the Fair Credit Reporting Act, which clearly states that these item should be removed within 5 business days for the date of receipt. By the credit bureaus. As of XX/XX/2018 there are two accounts, that haven't been address. Which are XXXX XXXX and XXXX XXXX XXXX, as well as all the inquiries for accounts that were issued to my credit file and inquires that are showing for account that weren't issued nor were they authorized. 

XXXX has removed all of the items, except a XXXX XXXX inquiry for XXXX. Which is a new inquiry, but they have conducted themselves in the correct manner, as based on the FCRA. 

I have attached a copy of the Identity Report, that was filed and delivered to the credit bureaus. They are picking and choosing which account to remove, when they have clear instructions and time-frame, in which these items are to be removed and/or blocked.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation (DC)

In XXXX I ordered a new card. The card never arrived. I noticed Fortiva kept pushing card over the spending limit and reporting false information to the creditors. They kept the card they were supposed to send to me, and instead spent the card over the limit and reported false information. When I discovered they did this I asked for a new card and they told on themselves and claimed they been sent it to me even after I told them I never received it or used it. Someone at Fortiva was using the card driving up the limit on the card while refusing to send me the one that was ordered for me.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

On XX/XX/XXXX I received a letter from a XXXX XXXX XXXX, Executive Director, Member Debt Solutions, USAA Federal Savings Bank, that payment on my USAA credit card account ending in XXXX was past due and I owed {$39.00}. 

I thought this was a problem because I do not currently have a USAA credit card. Over a year ago ( XX/XX/XXXX ) USAA decided to transfer all of their credit card accounts from Master Card to Visa. Since I had not used the USAA card in ten years I chose not to activate the Visa card they offered, leading me to believe that I did not have a credit card account with USAA as I had not authorized issuance of a new card account. 

When I called regarding XXXX XXXX letter I was informed that my current USAA Auto Insurance bill had been charged to the Visa card that USAA had offered but I had not activated. I had not received notification of that charge nor did I authorize the charge. Yet it was still charged to the card that had not been activated. ( Attached is a screen shot from the my online account record indicating that as of XX/XX/XXXX the Visa account had not been activated. ) I am wondering how a bank can charge a credit card the account holder has not activated. USAA claims they just " transferred the XXXX XXXX '' account. This feels to me like they opened a new credit card account without my expressed permission and then started charging that account without my permission. As a consumer these actions feel very much like what happened at XXXX XXXX - the bank opening accounts without the account owner 's permission. 

I paid the outstanding auto insurance bill in full as soon as I realized what was going on AND the late payment credit card fees that USAA added on to it. I would like USAA to refund the late fees and remove 'late payment ' reports from my credit report.
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (GA)

I have contacted Barclays Bank via phone and mail and I have yet to receive a response I was a victim of Identity Theft I have provided those documents as well and they still continue to report incorrect and inaccurate information of accounts that I never had
Consumer complaint received 2022-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (VA)

This is the second time American Express has allowed a fraudulent account to be opened in my name. The only way I knew is because a statement was sent to my address. This is unauthorized use of my social security number pursuant to 15 USC 1602 ( p ) and a violation of my privacy and my rights.
Consumer complaint received 2017-04-27
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. (DE)

On  XXXX   XXXX ,  2017 I  sent a letter via certified mail with return receipt to  XXXX  and Equifax Consumer dispute center in regards to removing unauthorized inquiries from my credit report as are my rights under FCRA. On  XXXX   XXXX ,    2017 I re ceived notification via USPS that the letter had been received by   XXXX    and Equifax. I have yet to hear anything from   XXXX   or Equifax regarding this matter. I have not received notification that my dispute has been received. I called  XXXX  and Equifax Customer Service disputes dept on  X/XX/2017   , I was told by a representative that they have not received my letter in regards to my dispute although I have proof that they sign for the certified letter. This is unacceptable and unlawful. My rights have been violated, I am entitled to a response from my inquiry per FCRA regulations.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I had agreed to a " Balance transfer '' of 0 % APR for about 15 months in exchange for a 3 % upfront fee. I transferred {$7000.00} to the Chase card and paid the fee.     The next month I had {$6500.00} sent to the Chase card to pay off a 19 % APR balance on the same card account.     Instead of crediting the 19 % APR balance, Chase used the new money to pay off the 0 % APR balance.     My clear understanding from Chase was that this {$6500.00} would go to pay off the higher APR balances first.     I spoke to a service representative about this and two supervisors, the first of which just hung up the phone on me. The second supervisor was very cordial, but in so many words said " tough luck ''.     This to me is predatory lending. Why would I pay 3 % upfront to buy a 0 % APR and then pay it off one month later?
Consumer complaint received 2023-03-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

I took out a mortgage with  XXXX  many years ago and set up auto pay for the life of the loan. The loan was purchased  by Ditech Financial, and when it cam tim e for the final payment in  XXXX     2017, th ey failed to auto deduct the payment and charged me a late fee of {$50.00}. I called there customer service line,  XXXX  to complain on the evening of  XXXX   XXXX     2017,  and they refused to refund the late fee.
Consumer complaint received 2017-01-14
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bread Financial Holdings, Inc. (MI)

Two unscrupulous representative harassed my husband and informed him about my delinquent debt and all detailed information about my account in order to obtain a payment. I have never provided his telephone number nor authorized anybody to share information with him. 
The creditor is Comenity Bank, phone # XXXX the two debt collectors names : XXXX at ext # XXXX and XXXX at ext # XXXX.
Consumer complaint received 2022-09-06
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: JPMORGAN CHASE & CO. (NY)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge JPMCB CARD XXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2017-04-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (FL)

After reviewing a copy of my credit report, I noticed multiple collections account placed on my credit report from your compa ny Money Recovery Nationwide from 2013.. I am  requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and the hospital /medical provider to which I owe the debt and a detailed breakdown of the fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Also, please provide proof of identification upon treatment, and my signature with the provider of service to release my information to your compa ny Money Recovery Nationwide. Ceas e any credit bureau reporting until this debt Is validated by me.
Consumer complaint received 2022-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management (MI)

KEY BRIDGE is in complete violation of FCRA, FDCPA and HIPPA. I have not given KEY BRIDGE consent to obtain and have any of my non-public personal information nor did I sign any contract stating I am in debt with KEY BRIDGE or that have consent to report any accounts onto my credit report. 

KEY BRIDGE is severely damaging my life by reporting 5 plus accounts that does not belong to me ruining my reputation. # # XXXX, # # XXXX, # XXXX, # # XXXX, # # XXXX KEY BRIDGE has not sent a notice as required by FDCPA that they were attempting to collect a debt but somehow, I have several accounts from this company reporting medical bills.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a secure credit card via Capital One to gain secured line of credit during the time as being an account holder : ~Charged Me XXXX but I pay XXXX per month to use the card. 
You can not go over the secured amount of XXXX ~They are not using my funds to pay transactions ~They refuse to disclose all secured credit account then charge fees that are not disclosed in any documentation nor website ~They lie to the credit bureau and attempt to exhort exorbitant fees. 
~They put you in danger trying to find an ATM by locking your card unnecessarily in an emergency situation