davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: COMMERCE BANK (KS)

This bank Commerce Bank. Card has not credited my acct of {$380.00} sent to them on XXXX XXXX XXXX fromXXXX XXXX. This was sent as a credit. To my creditcard. I asked XXXX to send s check to home address bit they failed to comply. Aftrr numerous calls to customer service. And spending hours on phone this has not been taken care of. Sent letter to both parties XX/XX/XXXX? I have been a customer with bank since XXXX but. Certainly have not had any respect. XXXX XXXX XXXX XXXX XXXX XXXX ks XXXX cell XXXX XXXX
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NY)

I was an XXXX card holder who paid for the debt protection service and credit monitoring service for ( 15 ) years or more ( gold card ). I loss my job and contacted XXXX to use the service until got a job. My request for was denied. During this time, I learned XXXX was being sued ( American express enforcement act ). The terms of the suit stated XXXX would credit accounts the monies. American express was to credit monies to the account of card holders or issue checks to individuals without accounts. I never received any monies from the settlement. Now XXXX is suing me for the outstanding balance on my account along interest, lawyers fees, and etc. I want like XXXX to to have deducts the monies owed me settlements. I need to know the amounts that should have been credited my account ; so I can have leverage when dealing with lawyers Thank You,
Consumer complaint received 2017-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (TX)

I have made serval attempts to dispute a debt with XXXX XXXX through all XXXX credit agencies. I have advised them XXXX times in the past XXXX days that this debt was made by illegally due to identity theft. The collection company has yet to remove this debt from my credit report.
Consumer complaint received 2020-05-30
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. (PA)

XXXX various major data breaches across several industries were revealed including a XXXX breach of equifax, I changed all of my passwords and attempted to secure my data XX/XX/XXXX An identity thief utilized my personal information to open an account without my consent or knowledge XX/XX/XXXX I received notification of an account that had been opened and had payment due ( {$3700.00} and {$500.00} ), I immediately called and notified them that this was identity theft and demanded the account be closed and voided. I requested confirmation of both in writing. 
XX/XX/XXXX Received another set of bills, called again and was told that previous call had been recorded, the account was closed and the bill was sent in error. Again requested documentation in writing and was told this would be mailed out. 
XX/XX/XXXX - submitted an identity theft report XX/XX/XXXX novel corona virus stay at home orders started in my state ( PA ) and I did not immediately notice that I had received nothing in writing from XXXX XX/XX/XXXX Received notice that my credit score had changed, immediately noticed a collections account that did not belong to me. Filed disputes with all major credit agencies, am again reaching out to XXXX to correct their issue and remove this unlawful account XX/XX/XXXX - Sent identity theft dispute letters to both XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX - Received notice from Equifax and XXXX  that they would not be treating this as identity theft and would remain on my credit report
Consumer complaint received 2017-12-28
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)

XX/2015 I voluntarily surrendered my vehicle in question to XXXX XXXX, this is the first thing they are showing incorrectly. Second I was never late on a payment. Third they have sold this account to a collection agency XXXX XXXX XXXX so now XXXX XXXX and XXXX XXXX XXXX are showing on my credit reports. I have disputed this several times through the credit bureau 's and called XXXX XXXX on many occasions to no avail. I 'm not saying its not my account, just one needs to be removed or the other reporting correctly.
Consumer complaint received 2017-11-09
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. (CA)

Over the past year i have tried to have 2 fraudulent accounts that are in good standing with Equifax removed from my credit because they are not mine and they were not opened by me. 
My file with Equifax states ID Theft Victim- information Blocked Due To Police Or DMV Report Extended Fraud Alert File Blocked For Promotional Purposes That said, I have a certified/notarized police report on file with Equifax , however the 2 accounts according to them have not been blocked/removed because they say the police report is basically not sufficient!!!! 
Both accounts are with XXXX XXXX and i have called this company but they wont provide me very much information over the phone and instructed me to dispute the accounts with Equifax XXXX XXXX XXXX XXXX XXXX XXXX My Equifax Confirmation/Report Number is XXXX
Consumer complaint received 2021-02-06
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: CITIBANK, N.A. (NY)

I made an online purchase at XXXX using my store card on XX/XX/2019 and subsequently returned some items from the order within the same month. The balance on my card was not updated correctly to reflect the return and interest was applied to the amount of the returned item. That amount was not paid because I contested it with the credit card company and later a penalty was applied for not paying the interest. They inevitably reversed the amounts when they looked into the charges meanwhile they reported my payment history as 60+ days late in XX/XX/2019 and reduced my credit line. First of all it is impossible to be 60+ days late when not even 60 days could transpire between the purchase date and the month of their reporting. Second of all I was never late as the amount was never owed. Several attempts to resolve with the company have yielded zero results.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

On XX/XX/2018 by wife and I received a letter from Fair Collections & Outsourcing listing a {$4500.00} balance due from XXXX XXXX at XXXX XXXX. On XX/XX/XXXX, our attorney, XXXX XXXX XXXX sent a formal letter to Fair Collections & Outsourcing disputing this debt and requesting the following 1. The amount of the alleged debt 2. The full name and mailing address of the original creditor for this alleged debt 3. Documentation showing that Fair Collections & Outsourcing verified that we are responsible for this debt 4. Documentation showing that Fair Collections & Outsourcing is licenses to collect debts in Virginia. 

Since we had officially disputed this debt within 30 days of being notified by the company, under the Fair Debt Collection Practices Act, Fair Collections & Outsourcing was suppose to cease collection until we received the documents requested above. Instead, they have submitted this collections notice to the three major credit bureaus with major derogatory information.
Consumer complaint received 2017-11-09
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: NAVY FEDERAL CREDIT UNION (FL)

There is an accoun from this NAVY FEDERAL that only take military affiliated individuals. I have not nor do i intend on joining the service. I have made several attempt to have them Verify the debt in which they are not able to but still reporting. I have no knowledge of this account nor bank brand. They sent the cards to a address in XXXX TX and still holding me liable I want them to remove this from my report its {$7200.00} reported as closed and is mentally draining me.
Consumer complaint received 2024-02-19
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. (NV)

i have inquiries ive submitted where i was denied by the creditor. 

XXXX ( XXXX accounts ) XXXX XXXX auto finance XXXX XXXX - XX/XX/XXXX auto finance XXXX  XXXX - XX/XX/XXXX bank card XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX - bank card XXXX XXXX ( XXXX accounts ) XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX auto finance XXXX XXXX auto finance XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent several XXXX dispute letters to XXXX, transunion & XXXX contesting the validity of a bankruptcy and asked them to send physical proof that the bankruptcy court had verified the debt. All of them claimed it was valid without sending proof so I wrote them myself and have a letter confirming that in fact the credit reporting companies had NOT VERIFIED the debt with the court because the court does not report bankruptcy to the credit companies! I have a copy of this letter and I want it deleted immediately or I will sue for punitive damages!!
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I have an account with XXXX many years ago and paid it off. XXXX decide to sent it for collection but the account was paid off already. I request XXXX to deleted this account from my file. This is hurting my positive credit score. Plus this account belongs to my ex wife. Another issue is that this account is been updated every year with different amount and is appear double account in all the credit bureau. Which is violating the fair credit reporting act.
Consumer complaint received 2018-03-26
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. (FL)

XXXX XXXX Attn : Experian, XXXX, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA XXXX. 

Accounts : 1. XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You XXXX XXXX
Consumer complaint received 2018-03-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bridgecrest Acceptance Corporation (TX)

Bridgecrest falsely reports a debt for {$16000.00} from XX/XX/XXXX to XX/XX/XXXX have received threatening letters and phone calls from the debt collector
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Protection Association, L.P. (AZ)

This morning, starting at XXXX, they called me 16 times. The last call at XXXX. ( I took screen shots of the calls ) That is harassment. They call all the time anyway, at least 2-4 times a day. 
I called them once and asked them to prove the debt is mine and they have never provided me the proof.
Consumer complaint received 2021-09-08
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: DISCOVER BANK (NJ)

I have these accounts that are not mine adn iwant them to be removed. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC (MN)

I opened this credit card on XX/XX/XXXX, XXXX credit card interest rate 37 %, XXXX $ annual fee. Per contract every year with no late payments they would give you a credit increase. On XX/XX/XXXX recieved a credit increase of XXXX $ and also charged an annual fee of XXXX $ which actually was only a XXXX $ increase in credit. I always paid on time and even paid card off two times in that year. Was promised in one more year on time payments in XX/XX/XXXX, another credit increase. When I called to request increase, i was denied credit increase, and informed I would be charged a larger annual fee of XXXX $ for the use of the card! I was told that employee was new there and he did not know why I was denied. I had no late payments. He stated I would recieve the reason in 7 to 10 days! I called back the same day and was told by another new employee I had been late on my payments two times! I was using this card at 37 % interest, an annual fee, and no cash advances to build my credit history only. Never late on a payment or charged a late fee. Was told I would recieve a notice as to why I was denied in 7-10 days. I  recieved two letters 7 days later. The first one said to many delinquencies, to many transaction declines in past year and insufficient credit history! There were a lot of declines due to this card being on my XXXX XXXX, and was fraudulently charged so removed all credit cards from phone. I was never delinquent! And I also had the card over two years with on time payments! Plenty of history. The second letter I received the same day, stated I had applied for credit increase to soon and to reapply in30 days. Over a year had passed since last credit increase! I called the company, closed my account, and stated I would not be using the card anymore, so would not pay the annual fee they charged to the card, either. I also stated I would pay my balance of XXXX $ on time until paid off. My credit report shows account as still open and my balance increased to XXXX $ which was the annual fee added to the balance due on card! Does not show a late payment but I demanded them to close account, and deal with the consequences, than work with criminal practices. I have wrote the company, and have recieved no response, just s bill. I am working hard to rebuild my credit, and I feel this company is taking advantage, or scamming people into believing they will help, and pocketing millions of dollars. Something needs to be done. They are ripping people off.
Consumer complaint received 2018-03-26
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. (FL)

XXXX XXXX Attn : XXXX, Equifax, XXXX My name is XXXX XXXX I have provided you with the following items I have listed below that your company is reporting inaccurately. I look to place all accounts as fraudulent accounts. I am a victim of identity theft, and I have been affected by the credit breach where my identity was leaked. I am unaware of the accounts that you continue to report. Please take this documentation I have provided as an internal dispute and an affidavit. I am allowing XXXX hours for your investigation for the errors to be correct and the inaccurate items removed permanently. If this becomes a problem for any reasons after XXXX hours I will file a law suit against your company for placing inaccurate obsolete information on my credit. I demand a copy of an original contract with under the new FACTA act. I will sue for willful non-compliance under section FCRA 616. 

Accounts : 1. XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Witness : XXXX XXXX Witness : XXXX XXXX Thank You XXXX XXXX
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NV)

XXXX/XXXX/17 went to make a purchase with the company card and instead used a personal debit card. Realized the mistake immediately and was issued a credit on the spot. Wells Fargo refuses to issue the refund to my account and are stating their policy is they can take up to 10 days to issue the refund. I contacted the local Wells Fargo, and three online representatives and they just say its their policy. This seems like fraud to me and especially since my account is now overdrawn. Is this an acceptable policy where they receive the money back but can hang on to it for a while collecting interest???
Consumer complaint received 2024-02-18
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. (NC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.