davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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)

Two months ago I contacted TransUnion about the following fraudulent accounts XXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14.00} ), PORTFOLIO XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ) and to this day they have not responded to my dispute as they are required by the Federal Law.
Consumer complaint received 2022-01-18
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. (NY)

My XXXX XXXX XXXX report shows that an XXXX XXXX credit card was opened on XX/XX/2021 under my name. But I did not open an account. The report shows that I am an authorized user. It only shows a part of the account number which is XXXX. I do not have an XXXX credit card so this is not correct. I am afraid that someone has used my information to open a credit card account.
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (FL)

I received a phone call tonight XXXX on XXXX XXXX 2017. They refuse to tell me what they are calling for, or what " debt I owe. They will not give me any info until I verify my social security number- not happening. They call ALL DAY everyday.
Consumer complaint received 2022-07-19
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. (TX)

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Consumer complaint received 2023-03-20
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: CITIBANK, N.A. (FL)

I received an alert on my XXXX app on XXXX XXXX, 2023 that a macys hard inquiry was pulled from my report. I did not XXXX for any Macys credit card and reported this as fraud to the XXXX bureaus. We placed a freeze on my report and setup up fraud alerts. Please have this inquiry removed as it was not from me. 
There is also a collection account XXXXXXXX XXXX XXXX ( XXXX ) that is also displayed on my XXXX and XXXX credit reports. This is also not my account and needs to be deleted.
Consumer complaint received 2022-07-19
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. (TX)

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Consumer complaint received 2023-02-09
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: EQUIFAX, INC. (IL)

On ( XXXX ) 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 paid on time. It has been over 60 days so they should be corrected promptly. I demand these 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-07
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)

Received inquiry notification from Experian for a XXXX  XXXX XXXX Credit Card Inquiry date XX/XX/2020. I reported the inquiry as fraud as I did not submit an inquiry to XXXX for an application. I spoke with a XXXX representative who advised there was never and application placed however there is still a inquiry for XXXX remaining on my credit report. 

Please remove inquiry from my Experian credit report
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Chysler Capital is reporting incorrect information they have stated I have a 30 day late payment, my payment has never been late. I asked for a deferment which they sent me by email the agreement to sign which I did the same day and it was their error per a manager I spoke to on the phone.
Consumer complaint received 2020-04-04
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. (CO)

My wife, XXXX XXXX, is the primary card holder and I am an authorized user. She first added me to her XXXX card in XXXX, around XXXX/XXXX, when I first moved to the XXXX. 

We had a slight upset in our marriage around XXXX XXXX and she removed me from her card. Things were fixed and I was added back to the card around XX/XX/XXXX, 8 months ago. 

Since then I have made numerous calls to XXXX XXXX   and the credit agencies to find out why this card is not being reported properly as it doesn't show up on any credit report. I have used my card multiple times so we know that isn't an issue. 
XXXX XXXX  say they're reporting correctly and the credit agencies say there aren't any problems their end. Essentially I'm stuck in the middle and no one will take accountability as to why this credit card isn't showing on my report, choosing to blame the other instead. 

Since being added as an authorized user in XX/XX/XXXX I have obtained various lines of credit that have all been reported fine, one being another credit card and the other being a car lease. There has been no issue reporting either to the credit agencies.

I have received 3 letters from XXXX XXXX  stating they are reporting correctly, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX however this does not seem to the the case. 

Every time I call XXXX XXXX  for an update they confirm my personal information and tell me to wait 30 days. The first few months they had the incorrect SSN for me, they only noticed after several phones calls from myself. The next few months I noticed they weren't using the correct credit card number so I wouldn't ; t have been associated with that account. It seems like there has been numerous errors at XXXX XXXX  and I'm the one suffering.

Today XX/XX/XXXX I spoke to XXXX XXXX  following up with my latest enquiry only to find out nothing has been done for 3 weeks. Allegedly they tried to call my wife to confirm SSN, DOB and our names. I have been told to wait another 30 days.

This card is in good standing, payments are not missed and I am losing out on the benefits to my credit report. Even if it was 1 point a month that's still 8 points. We also pay an annual fee for this card which seems insulting given the lack of service received.
Consumer complaint received 2022-01-18
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. (CA)

Hello, my name is XXXX XXXX XXXX and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. A number of months ago I was a victim of identity theft, and had a number of accounts/inquiries start reporting on my Transunion credit report that were fraudulent. Of those accounts, specifically, a XXXX XXXX XXXX XXXX account ending in XXXX was deleted from my report- after sending in an Affidavit of Truth , exhibits, identity theft reports, etc. My credit report went back to how it was supposed to look- and the item was completely gone for about 2 weeks. Then I checked my credit one day and it was TANKED. I called Transunion and they notified me that XXXX XXXX XXXX had verified that the account was mine- after they had blocked it, so they put it back on. I immediately called XXXX XXXX XXXX, and XXXX assured me that this account was not mine, their investigation was 100 % complete, this was identity theft/fraud and that they had reported this repeatedly to Transunion- to no avail. I have attached proof of my claims today, as well as the proof that the item was DELETED completely off of my report and then put back on- fraudulently. I have since talked to XXXX XXXX XXXXXXXX yet again, who has assured me that this is 100 % Transunions fault and that their systems and processes often take months behind all other reporting agencies to update accurate information. This mishandled situation has cost me numerous business opportunities, has tarnished my name and reputation, and has ruined my credit score- which used to be close to XXXX before this fraud occured.
Consumer complaint received 2021-04-07
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 — Problem with personal statement of dispute
Company: Financial Business and Consumer Solutions. (IL)

I paid a collection account off with XXXX XXXX credit card. Through their collection agency fbcs I was offered a settlement of {$1000.00} I paid it on XXXX through my bank. After I paid it ; I waited about a week or so. I then called fbcs regarding deleting XXXX from my credit report. I was told by a customer service rep they don't delete accounts from credit reports. They don't report to any of the 3 credit bureau, so I contacted XXXX. I was told that XXXX can't remain on my credit report if my account was sold to a collection agency. They can't do both it either or. I then contacted my bank to have the charges reversed since they wasn't going to delete the account from my credit report. I'm trying to do the right thing by paying something toward my bad debt account. I thought if the account was put in collection/ write off as bad debt they couldn't still report the account with a balance.
Consumer complaint received 2017-08-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

Equifax sent me confirmation # XXXX about my account with XXXX XXXX XXXX stating that the creditor is currently reporting a XXXX balance for the said account ( Account Number #  XXXX ). Upon researching the paperwork that Equifax sent to me the account number XXXX still shows a balance of XXXX. This is against the FCRA and against the Law and its disturbing to know that Equifax does not handle their paperwork correctly. If this is n't corrected like its suppose to be as stated by Equifax I will take measures to take them to court. This is unexceptionable and its ruining my credit.
Consumer complaint received 2022-08-09
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: Upgrade, Inc. (OR)

I received this email from Upgrade , Inc. invite XX/XX/22. I currently have a credit card and they offered to upgrade it. No credit check, no new account, same credit card number. I decided to apply the next day. Little did I know they ran my credit and they're sending me a new credit card with a new number. All the things they said they wouldn't do. See email to below. I've also attached a screenshot of the email. 

" Hi XXXX, Congratulations : You are eligible to switch to Upgrade Triple Cash Rewards! 
Theres no need to submit another application or undergo a credit check. And youll keep your current account number and physical card. 
Simply click on the button below by XXXX and we will take care of the rest. ''
Consumer complaint received 2021-09-02
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: Resurgent Capital Services L.P. (FL)

I sent out a letter for this company " LVNV Funding '' injuring my credit with this inaccurate information being on my XXXX  credit file. Investigation that took place did nothing and did not respond and remove this inaccurate, unverifiable information. They were not compliant and answer when i reached out to this company. Somehow it's saying i owe this when i did not know what they this was. This is my second attempt, please remove this. This has hurt my ability to obtain new credit.
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

THIS ISSUSE IS AFFETIONG MY LIFE, I CANT SLEEP OR EAT BECAUSE THIS ISSUE IS INPACTING MY LIFE. EVERY TIME IM TRYING TO MORE FORWARD THIS SHOW UP LIKE A BAD DREAM
Consumer complaint received 2021-04-07
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. (NJ)

I have filed several disputes in XX/XX/XXXX and XX/XX/XXXX with Experian directly for inaccurate tradeline data regarding a closed account and they have not complied with FCRA guidelines on any of their responses nor have they resolved my concerns. XXXX XXXX account is closed/paid, however they are reporting it as OPEN- allowing HISTORICAL ACCOUNT INFO - No terms apply to closed accounts, Date Closed, High Credit, Activity Designator ( drive last state ), Activity Payment Amount, Date of Last Activity, Charge Off Amount, Pay/Balance/Rating is blank. These fields are used to calculate scores. Please resolve this inaccurate account - verification, and your data is driven by FCRA. Please fix/delete. programming to use comments is never done and should not be done as a resolution.
Consumer complaint received 2023-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

How long does it take Wells Fargo, to actually compensate us? We have proven complaint after complaint, along with all the documentation along with the complaints? They keep telling us they have been sent to another division of Wells Fargos criminal enterprise, that decides how much to compensate us. XXXX  years of defrauding and theft all we asked for is XXXX XXXX! They avoided prosecution, if they just compensate consumers like us! How long does it take for Wels Fargo to actually accept their illegal wrongdoings and again compensate us for XXXX  years of theft and fraudulent actions and activities?
Consumer complaint received 2022-07-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (NJ)

I was under influence of XXXX  for health issues after XXXX XXXX in XX/XX/2018 and was forced to sign on a car loan by my live in partner who bought a car on his own paycheck and put on refinance with my credit.
Consumer complaint received 2017-08-13
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fidelity National Financial, Inc ()

Disputed amount owing on Timeshare maintenance fees. Requested clarification of amount for purpose of settling debt. Despite numerous attempts to contact via email, the issue remains unresolved. Apparently my property was foreclosed on without my proper notification or opportunity to settle outstanding amount.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (IN)

In XXXX my XXXX payment went from approximately {$1100.00} a month to {$2600.00} a month. I contacted the bank via email to ask what happened in late XXXX. My bank representative XXXX XXXX said the interest matured. I explained I would not be able to pay those kinds of monthly payments as a small business less than a year into operating and was looking into selling the business to an interested party. Additionally, because I was in Florida, I was unable to deposit money into the account as they had no branches for me to go to. 

I called and left messages to speak with XXXX and asked that she via email update the account to connect my XXXX account with the Huntington account so I could deposit money. I've never received a response. 

On XX/XX/XXXX they closed my Huntington account. I followed up again asking to speak with someone from the bank who could tell me what was going on and how to obtain the banks approval to sell the business. 

I emailed on XX/XX/XXXX, XXXX. I followed up again on XX/XX/XXXX as the bank ignored my emails and calls. XXXX on the XXXX said it's been sent to another dept. and someone would outreach. 

On XX/XX/XXXX my brokerage partner firm called and then emailed on XX/XX/XXXX also asking to speak with XXXX or a bank representative on how to proceed. 

On XX/XX/XXXX a rep named XXXX asked me for information regarding assets and said someone would come to take pictures of the assets. I called to try to speak to XXXX and asked for a call back. I emailed the requested information to the bank on XX/XX/XXXX. XXXX refused to call me back. 

On XX/XX/XXXX I again called and emailed the bank asking what amount I could send in to reduce the principle and adjust the large balloon payments and how to gain the approval to sell the business to my buyer. 

On XX/XX/XXXX a new rep named XXXX XXXX claimed to be the person to assist in the process. XXXX asked for information which I provided on XX/XX/XXXX. I again asked for a phone call. 
XX/XX/XXXX the brokerage firm provided the sales listing to the bank. 
XX/XX/XXXX the bank asked for information on the assets. I provided the information the same day. Asked about timelines and a call to understand the process. 

XX/XX/XXXX banks says they will submit for management approval for the asset sale and a revised amortization for the new payments after sale proceeds are applied or asks do I want a settlement. 

XX/XX/XXXX, I'm confused by the response so I ask for a call again with XXXX. XXXX replies that she can talk on XX/XX/XXXX after noon. I emailed XXXX on XX/XX/XXXX requested to speak at XXXX XXXX on XX/XX/XXXX and the best number to reach her at. No reply. 

XX/XX/XXXX, I call at XXXX to discuss. No answer. I leave a vm. I call again at XXXXXXXX XXXX and leave another message.