davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
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)

I was checking my credit report and I saw that my score is low. I have no idea why you put this information on my account. I believe someone used my personal information and applied for this.
Consumer complaint received 2020-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( Santander ) agreed thru a goodwill  gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( XXXX ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2018, I mailed a certified letter requesting the credit bureau to remove all incorrect names and addresses from my report. I included the only name and address that should be listed. I also attached a copy of my driver 's license, social security card and utility bill as proof of name and address. As of today 's date, XX/XX/2018, I have not received a response from them and there have been no corrections made to my credit report.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (TX)

Date reported - XX/XX/2017 - amount {$0.00} - account status, PAID - payment status, collection/chargeoff. Credit Card went over limit and was paid off and account was closed.
Consumer complaint received 2020-07-15
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (AZ)

Suntrust closed my account immediatly after i deposited a check n XX/XX/2019. I have been repeatedly lied to by them, first they told me it was closed then they told me it wasn't, then they told me it was under investigation, then they told me i would receive my money in 15 business days, then they told me it was frozen. The check i deposited was from my sister who gave it to me to pay my bills, i havnt been able to pay my bills, my phone is disconnected, i cant buy food, and it is XX/XX/XXXX so Suntrust bank has kept my money for over 1 month and they will not give me details. I havnt been sued so they have no reason to be doing this to me.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

None of the dates match and the account is not validated at all. XXXX put last reported XX/XX/24 & XX/XX/24 and thats not true and they cant update that because thats when I filed a dispute.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been in an ongoing dispute with XXXX XXXX as I firmly believe that I don't owe anything to the credit their are representing. To the best of my knowledge, I have paid off XXXX XXXX XXXX for charges accumulated for my wedding. I have repeatedly asked XXXX XXXX XXXX for a copy of the statement that shows the transactions that add up to the amount they are charging me for, and I have yet to receive it. These communications have been verbally and I have mailed them validation letters. They have not been cooperative at all. I have sent letters to them ( XX/XX/XXXX, XX/XX/XXXX ), as well as the credit bureaus ( XX/XX/XXXX, XX/XX/XXXX ), disputing this item. I don't think I owe anything at all. And if I do, I'm confused on how its over {$1200.00}. Before I even consider working out some type of agreement with XXXX XXXX XXXX, I  demand a statement showing the billed charges so I can confirm or deny them. Until then, they have failed to provide proper validation of charges to justifiably add this account to my credit report. They sent me proof that XXXX XXXX XXXX has  contracted them to collect the debt on their behalf, but even that balance is different from what's being reported on my credit report. I am confused and they have done nothing to help me with this process.
Consumer complaint received 2019-05-23
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. (OH)

Last year in XXXX, I tried to dispute an account on my credit report listed as XXXX/XXXX, through Experian 's online dispute center. I had listed as the reasoning behind my dispute as that I had no knowledge of this account, & that I have never received any mail, calls, or notifications regarding this supposed debt. It was never removed or updated on my credit file back then, even though I was sure that I had never had an account through XXXX in the past. Recently, since I didn't have time available in the past to fully review my report details for any discrepancies, I cleared a day out of my busy schedule to go over my accounts listed. After viewing this XXXX/XXXX account again, I noticed that the last time it was udated was in XXXX, & under the dispute comments from XXXX, it specified that this debt was transferred to another lender. So why is this supposed debt still on my report, when it obviously wasn't verified extensively? If the only information given to the credit bureau from the initial lender, was that it was transferred to someone else, then how is this perceived as acceptable proof without any documentation to support this company 's accusation pertaining to this supposed debt, if they have no record of the supposed transaction? Also, when I tried to re-dispute it, it said that I was not allowed to dispute it again but could upload any documentation or proof pertaining to my previous claim, & it will be reviewed. How am I supposed to submit any documentation in reference to this supposed debt, if I don't have anything to submit, & the lender apparently couldn't even supply it to them! Obviously, if I didn't receive any communications at all from the company, how am I supposed to provide any proof to my claim that the debt is not mine? This is the most ridiculous thing I have ever heard of, and it is their fault for not verifying it properly the 1st time when I disputed it.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello I was using a credit card with Capitol one. They are charging me {$470.00} for XXXX XXXX XXXX  that I did not book nor ever rented with XXXX  in my life. If they call XXXX  they would be able to tell them the same thing. This was posted on XX/XX/2021. This was on the transaction XXXX*XXXX  XXXX  XXXX My name is XXXX XXXX my email is XXXX. I wrote them to let them know this was not me and please look into this matter. They decided to close my account without reason. I am no being charged interest and late fees for a charge I did not do. All someone has to do is look in this matter to see its fraud.
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2020-07-15
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a online bank account with capital one 360 and I deposited the my income tax check they placed a hold on my account I've been reaching out to them for about a month now I left a voice mail in this particular department that only do out bound calls no one has called me back I need answers
Consumer complaint received 2024-08-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (MN)

I applied for a loan through Upgrade on XX/XX/XXXX and got approved for XXXX loan for consolidation of debt. I was told to put the account information for accounts to be paid off and the rest would go into my bank through XXXX. I got all the funds paid to the accounts on XX/XX/XXXX minus one which is a credit card through my bank. I was told by XXXX they did not receive these funds or an attempt to place them into my account. Upgrade told me they did receive the funds and my bank has to refuse them and return the funds before they could put those funds into my checking account. I called XXXX repeatedly whom has stated they have received no funds and they would have put them into my checking account since my card can not receive funds outside of my checking account but they have no received any funds. Upgrade told me to wait 15 days so I waited 15 days. After the 15days past they said it would be another 15 days for those funds to be refused and put into my account. I called for the additional 15day mark and they are now saying 3 to 5 business days and XXXX still says they have not received any funds and now my payment is coming due to pay on a loan I have not received all the funds for. Both companies tell me to talk to the other and meanwhile nothing is getting resolved.
Consumer complaint received 2021-10-05
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. (MO)

I have written to both all three credit reporting bureaus ( XXXX, XXXX and Equifax ) about conflicting data on the same items, such as : XXXX XXXX shows last payment made as XX/XX/2018 on XXXX but Equifax shows last payment made on XX/XX/2018 ( and on a previous report as XX/XX/2018 ). 
XXXX XXXX  XXXX shows last payment made as XX/XX/2018 on XXXX but Equifax shows last payment made on XX/XX/2018. Also the phone number on XXXX shows as ( XXXX ) XXXX but on XXXX as ( XXXX ) XXXX.
Consumer complaint received 2018-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

Bought at XXXX XXXX XXXX  store. Paid off the debt, ast payment {$15.00} and some changein XX/XX/XXXX. Have XXXX XXXX unknown location or other name, calling me at least every week saying I owe them over {$100.00} for interest that goes higher every week. This was this year.paid off XXXX XXXX . We are elderly in our XXXX 's and do not move around well or run to the phone and our phone stops ringing at 4 rings so it really is unnerving. Make them stop, we do not owe them anything. we paid XXXX XXXX.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bryant Bryant & Associates LLC (WA)

On XX/XX/2018 at am, XXXX XXXX ( called from XXXX ) from Bryant Bryant & Associations asking for XXXX. He said he was an investigator looking for XXXX XXXX, and she was listed as next of kin. He claimed his client says XXXX is going around writing fraudulent checks and had been writing them to his client. XXXX asked who the client was, XXXX XXXX gave her a fax number for her to fax ( XXXX ) a Power of Attorney to speak on XXXX 's behalf about the case. I looked up to find they are a debt collection agency and I could not get through to a line. I, XXXX, do not owe anything, nor is it in my credit report of any missed payments, and I know for a fact I do not write checks due to the type of account I have. I have not received any notice on my report nor by mail of anything and feel I am being targeted because I am a XXXX senior. Plus, XXXX has not been listed on my forms in the past for anything let alone the number they called her on is not her personal number. I'm not sure if she is being the one actually targeted because she is 100 % XXXX permanent and total.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Reporting act, the PORTFOLIO RECOVERY account XXXX XXXX   has violated my rights.

15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

This account status is labeled as opened. Which is also false. No agreement to distribute funds to this creditor occurred.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (CA)

I just received a letter from XXXX still avoiding to do as I ask which was to give me a copy of my consumer file and to place a security freeze on my account. I have made repeated attempts since last year ton obtain my file. They claimed they could not verify my identity although I gave them all of the necessary documentation for them to be able to do so. They insisted that could not verify my identity. How do they have a file on me if they dont know who I am? This is contradictory within itself, but I digress. By them stalling to place.
Consumer complaint received 2023-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've recently pulled a copy of my credit report and noticed many items I believed to be reported inaccurately. My goal is to start my own business and purchase a better home for my family. I've been studying consumer laws and The Fair Credit Reporting Act for months now. Finally when I get the courage to dispute items on my report I received a notice from Transunion saying they would stop working on ANY request because they didn't think it was from me. Why is that? Are they assuming that because 'm an XXXX XXXX  man that I shouldn't have the intelligence to communicate in a particular way? To assume it's not me would mean that you know me. Transunion and I are not friends. This letter and their actions come off as XXXX, cruel and intimidating. If they could come up with this, what else would they do to hinder my efforts? What they are doing is a direct violation of my consumer rights under The Fair Credit Reporting Act. By law I have a right to challenge items on my report without being stalled or intimidated by doing so. Quite honestly, I feel very discouraged and unheard in any future attempts to correct items on my report. I'm filing this complaint to give notice to their behavior in hopes that something will be done to correct it for me and future consumers.
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (OH)

On my credit consumer report and I see addresses I couldnt of possibly lived because Ive been XXXX for 9 years ( from XX/XX/XXXX to XX/XX/XXXX ) and was actually only XXXX 3 weeks ago. Ive tried to log on to various websites to monitor my credit and my identity cant be verified because of the ongoing issues.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX  XXXX TN ) Acct # XXXX ... XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Acct # XXXX .... XXXX  Acct # XXXX that is listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 credit bureaus. How can one account be opened on different days? I want these alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-06-19
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: WAKEFIELD & ASSOCIATES, INC. (SC)

I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as Wakefield & Associates I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle Wakefield and Associates for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay XXXX in full but I need for this item to be removed from my credit and I need a letter prior to paying.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Persolve, LLC - Legal - Series 2 (UT)

PERSOLVE LEGAL XXXX, pulled my credit report without my permission. I do not know who they are and only knew of this breach because I have credit report warnings due to being involved with two different credit breaches. They have not contacted me by any means, so I do not even know what they are even after. Is it proper for them to pull a credit report before even making a demand?
Consumer complaint received 2020-07-15
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.