davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
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: FIDELITY CAPITAL HOLDINGS, INC (WA)

On XX/XX/2019, I received an e-mail from XXXX ( the company I file my taxes through ) with an unusual subject line. The message in the body of the email stated : " ... your debt in collections has gone up. Your XXXX  credit report shows that the debt you owe to collectors has increased to {$2300.00}. '' However, I was alarmed as I did not recognize any of the company names and upon research, the location of the companies are ~1,500 miles from my current location. It was through the tax report portal that I saw and knew of this " collections charge '' for the first time. 

On XX/XX/2019, I filed a dispute through XXXX  to report " collectors charge '' as a fraud account. The report was completed on XX/XX/2019 stating, " INVESTIGATION RESULTS - VERIFIED AS ACCURATE '' Though there are additional details in this report, none of the details, I recognize nor do I understand where they originated from. I've never done business or have interfaced with the " Original Creditor '' company, opened in account to my knowledge, nor have used their services by any means. 

I have never been contacted about this other than by the update from XXXX and no other communication or notifications by any of the parties seemingly involved. I am requesting support, investigation, and clarification as to how this occurred and as to how this can be solved. Thank you for your time in advance.
Consumer complaint received 2023-01-11
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. (TX)

Despite multiple written requests, the erroneous inquiries listed below continue to report on my credit report in violation of federal law.These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not verify these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-04-02
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. (FL)

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following hard inquiries. 
I allready tried to resolve it with the company, but they will not deleted those inquiries. 
XXXX XXXX XXXX on XXXX XXXX, 2019 runned my credit report when I just asked them what they can offer to me. I was never told that thay will make inquiries. I want you to investigate this with XXXX.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I gave back a XXXX to XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX closed the account formally in XX/XX/XXXX and told me they were writing the car off, and said I didn't owe them anything. They said the debt that was written off may be sold to a third party but I had no obligation to them. No one ever contacted me regarding this. 

In XX/XX/XXXX, I was buying a home and disputed the presence of this closed debt with XXXX XXXX XXXX with approx. $ XXXX balance. XXXX apparently REOPENED the account at that time and turned it active! Transunion dropped my credit score 123 points and started reporting late payments for an account that had been closed almost 6 years. 

I called XXXX, and they apologized for their mistake and immediately closed the account. XXXX and XXXX immediately restored my credit score. However, Transunion continues to this day to report missed payments on this CLOSED account. I never once missed a payment on this vehicle. I negotiated with XXXX to give the car back for sale in XXXX. 

I need XXXX to restore the original official account closing date ( XX/XX/XXXX ) and remove any reports of missed payments on this account. Also, I need Transunion to restore my credit score of XXXX.
Consumer complaint received 2019-11-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

On XX/XX/2019, my daughter was transported by XXXX ambulance service from XXXX XXXX XXXX XXXX XXXX to another. Both facilities are in network, yet XXXX is not in network and charges more than double the allowable amount. XXXX XXXX processed the claim as in network and they were paid for 2 trips instead of one. 

XXXX erroneously charged ( 2 ) trips because their driver first drove my daughter to the wrong location. They acknowledged over the phone that this was an error and promised to adjust. They have now been paid double by BCBS and continue to bill me. The debt collector said that it doesnt matter that there is an erroneous charge and that it is under review because the debt has been sold to a collector. 

I told the aggressive collection agency that the case was under review and to stop calling. Despite several requests I still have not received a copy of the trip journal, documentation of the ( 2 ) trips or charges, or a copy of the release for my signature to receive such trip documentation. 

In the meantime, Professional Bureau Collections of Maryland XXXX ( XXXX XXXX ), collections has aggressively called and left messages despite being informed that the case is still under review. I just received a message that they have now contacted my employer. This is inappropriate and must stop.
Consumer complaint received 2023-01-11
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. (CO)

I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).
Consumer complaint received 2023-01-11
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-11
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 2019-11-11
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. (WA)

On XX/XX/2019, I received an e-mail from XXXX ( the company I file my taxes through ) with an unusual subject line. The message in the body of the email stated : " ... your debt in collections has gone up. Your TransUnion credit report shows that the debt you owe to collectors has increased to {$2300.00}. '' However, I was alarmed as I did not recognize any of the company names and upon research, the location of the companies are ~1,500 miles from my current location. It was through the tax report portal that I saw and knew of this " collections charge '' for the first time. 

On XX/XX/2019, I filed a dispute through TransUnion to report " collectors charge '' as a fraud account. The report was completed on XX/XX/2019 stating, " INVESTIGATION RESULTS - VERIFIED AS ACCURATE '' Though there are additional details in this report, none of the details, I recognize nor do I understand where they originated from. I've never done business or have interfaced with the " Original Creditor '' company, opened in account to my knowledge, nor have used their services by any means. 

I have never been contacted about this other than by the update from XXXX and no other communication or notifications by any of the parties seemingly involved. I am requesting support, investigation, and clarification as to how this occurred and as to how this can be solved. Thank you for your time in advance.
Consumer complaint received 2021-03-26
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently dispute three accounts that are showing up on my credit report as paid and closed by collection agencies. These disputes were done on XX/XX/21 and on XX/XX/21. I explained that I sent the police report in several times to have it removed from my account due to identity theft but for some reason they refuse to remove the accounts from my report. I have explained that I am currently looking for a house and these three accounts are really hindering me from keeping my credit report as clean as possible so I can make that happen for my family and myself.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZWICKER & ASSOCIATES (TX)

My name is XXXX XXXX XXXX My Social Security Number is XXXX My date of birth is XX/XX/XXXX My son 's name is XXXX XXXX XXXX My son 's Social Security Number is unknown to me My son 's date of birth is XX/XX/XXXX BOTH my son and myself are being incorrectly reported for thousands in delinquent debt after the lender XXXX  XXXX XXXX settled the account and agreed it was paid in full with a lump sum payment of XXXX XXXX. 
Our XXXXXXXX XXXX XXXX account numbers and balances in question, are as follows : XXXX XXXX  Account number ending in XXXX, Attorney file ID XXXX, full account balance {$29000.00}, XXXX XXXX agreed lump sum settlement amount {$20000.00} XXXX XXXX  Account number ending in XXXX, Attorney file ID XXXX, full account balance {$13000.00}, XXXX XXXX agreed lump sum settlement amount {$9200.00} XXXX XXXX Account number ending in XXXX, Attorney file ID XXXX, full account balance {$5300.00}, XXXX XXXX agreed lump sum settlement amount {$3700.00} Settlement offer letters and acknowledgement of settlement received from XXXX XXXX  Attorney are attachments. 
Description of problem : I am a signatory on student loans for my son. There are three loans. I paid off the balance of all three loans using a negotiated lump sum payment. XXXX XXXX XXXX agreed to accept a XXXX XXXX lump sum payment as satisfaction in full of the debt. This agreement was made through the attorney XXXX XXXX XXXX asked us to deal with, rather than direct with XXXX XXXX XXXX. The attorney that agreed to the lump sum settlement payment is Zwicker & Associates, PC. The address of the office servicing this account for Zwicker & Associates is XXXX XXXX XXXX, XXXX MA XXXX. The telephone number for that office is XXXX. XXXX agreed to remove negative credit reports and report the three accounts as paid in full. The settlement payment by me was in the form of three bank checks from XXXX XXXX  made to Zwicker and Associates, with the account numbers written on the checks. The checks were mailed in XX/XX/XXXX, and the official settlement date is XX/XX/XXXX when XXXX received and deposited the three checks. On XX/XX/XXXX XXXX reported my account as a XXXX balance, delinquent, and a chargeoff, in violation of their agreement with me. We discovered the error in XXXX and contacted both XXXX and the Attorney on XX/XX/XXXX. XXXX subsequently removed the negative report and simply reported the account as closed and settled, with a XXXX outstanding balance. That correction was confirmed on my next credit report I checked on XX/XX/XXXX. XXXX again reported me delinquent, the account as not settled and a chargeoff, which I discovered on XX/XX/XXXX. Once again this violates the agreement XXXX made to consider my debt satisfied in full.
Consumer complaint received 2019-08-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On XX/XX/2019, a debt validation letter was delivered to Portfolio recovery associates ( as to validate an account reporting on my report. Their 30 days investigation would have ended XX/XX/2019. I have retained a copy of my credit report that shows that they have failed to report to the credit bureau up to 90 days. Therefore they are in violation for .Defamation .Negligent Enablement of Identity Fraud .Violation of the Fair Debt Collection Practices Acts ( including but not limited to Section 807-8 )  .Violation of the Fair Credit Reporting Acts ( including but not limited to Section 623-b )
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

This account is inaccurately and erroneously reporting. Theyre intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (WA)

XX/XX/XXXX submitted paperwork to close deceased parents ' account and have funds come to estate. Won't let you do anything electronic, will only mail the check! XX/XX/XXXX XXXX closed account and sent me letter stating check coming in mail to follow in " XXXX XXXX XXXX  days. '' No check arrives, so I call on XX/XX/XXXX and am told I have to call when it has been XXXX to XXXX business days from the check being mailed ( which they can't tell me when it was mailed, just that account was closed XX/XX/XXXX ). XX/XX/XXXX still no check, so I call and am told by " XXXX '' that it has to be XXXX days, which is a lie, and she was very uncooperative, so I tried to contact a supervisor but the hold time was too long. Call back at XXXX pm and on hold for XXXX minutes waiting for an agent, then disconnected. Call back again, same hold process, finally talk to someone semi-competent who gets the account number then boom - disconnected again. It is like a ploy to wear you down. Call again, finally get " some '' help ( total phone call this time is XXXX minutes- just ridiculous! ). Told the check was actually cut XX/XX/XXXX and now all they can do is send me an Indemnity Form to fill out ... by MAIL. Again, the method by which the first check was lost. I have my doubts there ever was a check sent as all this runaround means XXXX makes money off the funds while we wait. So I have to wait for this form to come in the mail ( whatXXXX XXXX XXXX XXXX  days I suppose ), then return it, then maybe they will deign to mail me another check... which is ridiculous as no one else sends XXXX digit ( near $ quarter XXXX ) via the US mail. They give you no other option, and they don't care if you wait forever as they still have the money ( long as no one cashes the " lost '' check ) and continue to make money off it. All a racket to put money in their pockets.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (GA)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX  XXXX bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$4000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$970.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX BANK XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

The Following accounts were used unauthorized. I am a victim of Identity Theft it affect my credit standing and finances. I need help removing the following accounts from my credit report! 

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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (TX)

I had a previous complaint about asking for my loan to be locked in at XXXX rate that day - and rep did a variable rate reduction instead of a locked in rate of XXXX XXXX % I pay {$600.00} extra per month and i didn't notice the rate was on an ARM until 2 years later. 
I tried to get it fixed with wells, had them pull the tapes and listen to them. 
XXXX guy denied me - I escalated - XXXX lady didn't bother to listen to the tapes- and sent the EXACT same form letter asXXXX guy- on the same day she received the complaint and request foe escalation. 
i then complained to CFPB and got a call the next day i got a call from a wonderful lady who listened to the recordings- shared with her management and agreed that i was right. since it had been XXXX years- they said they could no longer offer me the XXXX %- but did offer me 60 months at XXXX % Being scared of the rates going up ( as they did- i reluctantly took it ) Fast forward a few years - I have been putting additional principal onto my loan- i noted " ADDITIONAL principal '' on wells Fargo 's own bill payment system. 
I have called SEVERAL times because they charge me interest on my additional principal payments. I have been told 4 times to pay it XXXX different ways- and wells OWN system cant read its " additional principal payment '' in the remarks. I want the interest back that i feel has been stolen from me. I am getting nowhere calling wells fargo.
Consumer complaint received 2019-11-11
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: Midwest Recovery Systems (CA)

On XX/XX/2019, I received notification that a collection was placed on my account. The company is Midwest Recovery System. It seems they are collecting for a company called XXXX XXXX XXXX. Prior to this, I havent received any notification either through mail or phone call. 

I disputed the information via XXXX  and it came back verified. I have not been contacted by this company. 

I learned through a search that several other complaints on this company doing the same thing.