davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (TX)

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXXXXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (AL)

I chose closing an account because no other option fits my complaint. I my complaint is regarding a branch manager refusal to allow signers to be removed from an account when the owner and the signers were both present. Truist answered complaint XXXX with a non-answer and untruths. All three people were present to remove signers ( please check your cameras from XX/XX/2022 between XXXX and possibly XXXX. 
Myself and XXXX XXXX came in first with XXXX XXXX XXXX arriving a few minutes later. 
Because XXXX XXXX did not acknowledge responsibility and negligence of branch manager, he also did not offer a resolution. 

See attached letter from bank,
Consumer complaint received 2022-07-18
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. (PA)

I have been disputing Transunion, XXXX and XXXX for a year now. I have given them my police report & other supporting documents that I am an Identity theft Victim during the Pandemic & before. I had all my Gov. PUA benefits stolen. I have proven to them to take off accounts that were charged fraudulently or is not mine. I keep disputing and they disgaurd or will not let me download the proof. Transunion 's website to dispute you can not even download dispute because it always says error messages. I have had several health issues and anxiety panic attacks because of this. it has been a three year ordeal to dispute my credit reports and fix it without success. I have every right to have a good credit report so I can recover from my identity stolen.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

while I was checking the balance and transactions, I noticed that there was withdrawals that I did not make. I talked to them about it. The withdrawal was for {$500.00}, The system divided the {$500.00} into two parts, When I listened, I hear the two parts of the one sum of the {$500.00} that I withdrew at one time Lumb sum. this is abuse and illegal to the transactions, I noticed the two parts of the total {$500.00} one-time withdrawal. when I requested a statement, it showed only one total withdrawal of {$500.00}.

I noticed they charge fees and I question it, they stated I did the withdrawal from non their bank XXXX. which is not true because I used the same machine at their same bank for years.

Their system breaks down the withdraws to two parts so that they charge fees. This is fraud and must be stoped and they must credit back all the fees that they charged me.
Consumer complaint received 2022-08-19
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. (CA)

The companys involved did not properly verify this account under the fair credit reporting act section 609 and fair credit reporting act 15 USC 1681 ( a ) the companys are In violation of my rights. Equifax knowingly keeps reporting inaccuracies on my credit report
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXXXXXX XXXX, delivered by USPS confirmation # XXXX, regarding account # XXXX
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX violated my right to privacy. XXXX XXXX disclosed my nonpublic personal information to nonaffiliated third parties. See attachment delivered to XXXX XXXX on XX/XX/2022 at XXXX am, delivered by USPS confirmation # XXXX, regarding account # XXXX
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an alert from XXXX that someone attempted to open a Capital One checking account by using my name. I spoke to XXXX and filed a claim. They put me in contact with Capital One Fraud Protection, who put a stop on the account
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX  acct # XXXX XXXXXXXX  acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did i give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2022-08-19
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. (LA)

XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I have disputed this account numerous times, I do not owe this amount on this account. I have asked for these accounts to be removed due to it is keeping me from getting approved for a mortgage. 
XXXX XXXX XXXX ( XXXX ) I have tried to get this account removed from my credit report numerous times. This is keeping me from getting approved for a mortgage. This information is not accurate, I do not owe this company any money. Please assist with getting this removed from my credit report. 
XXXX XXXX XXXX ( XXXX ) This account information is not accurate, I do not owe this company any money, I am trying to purchase a house and this account is keeping me from getting approved for my mortgage. 

I have contacted these companies directly, and all three credit bureaus and have not been successful, please help me get these accounts removed form all three credit bureaus.
Consumer complaint received 2022-08-19
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. (LA)

XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I have disputed this account numerous times, I do not owe this amount on this account. I have asked for these accounts to be removed due to it is keeping me from getting approved for a mortgage. 
XXXX XXXX XXXX ( XXXX ) I have tried to get this account removed from my credit report numerous times. This is keeping me from getting approved for a mortgage. This information is not accurate, I do not owe this company any money. Please assist with getting this removed from my credit report. 
XXXX XXXX XXXX ( XXXX ) This account information is not accurate, I do not owe this company any money, I am trying to purchase a house and this account is keeping me from getting approved for my mortgage. 

I have contacted these companies directly, and all three credit bureaus and have not been successful, please help me get these accounts removed form all three credit bureaus.
Consumer complaint received 2022-08-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

company has failed to do a proper investigation and has not responded to my written requests sent out on XX/XX/XXXX which they received on XX/XX/XXXX all the accounts must be deleted and removed they are in violation of FCRA as well as my consumer rights to right of privacy! They have been on violation of multiple 15 USC 1681 they are also in violation of FCRA section 623 XXXX  vs XXXX XXXX corporation us court of appeals for the XXXX circuit court case 115 f.3d 220 XX/XX/XXXX, filed ( XXXX XXXX. XXXX ) FCRA section 611 part ( A ) ( 1 ) please do a proper investigation this has done actual damages for years with 0 issues being able to be resolved
Consumer complaint received 2022-08-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC (CA)

On XX/XX/2022 XXXX XXXX called me and asked if I would want them to send me the medication, I told her that if I buy the medication at the local store, I only pay about {$30.00} a month and I don't need to use my insurance. She then told me that the medication that she sent will be free after my insurance pay. She confirmed three to four times after I asked. 

A month later, I received the bill of {$85.00} copay for the medication that she sent. I called XXXX XXXX, they said that they escalated to the upper manager and will let me know. One month later, I received the bill again. I called and they said that they were working on it and I should not worry about the bill. 

On XX/XX/2022, I received the bill of {$85.00} from Debt Collector. I called my insurance and they called XXXX XXXX. XXXX, the XXXX representative is very rude, he said that this is the amount that I have to pay and I need to tell my insurance to pay more. 

I am going to pay {$85.00} for the debt collector today because I don't want to have bad credit, but I don't think that it is fair when XXXX XXXX, the reputation company would do something like this. I want others to learn from my experience.
Consumer complaint received 2022-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (TX)

XX/XX/XXXX I placed a call to Planet Home Lending , LLC inquiring why our loan is still requiring PMI. We have paid more than 20 % of our loan.I was told to put my request in writing ; which I did on XX/XX/XXXX, XXXX.I was told they would research my question and get back to me. As of today 's date, Friday, XX/XX/XXXX, we have not received an answer. 

On XX/XX/XXXX I received another automated call from Planet Home Lending , LLC requesting I call them again. I returned the call at XXXX and spoke to XXXX, the phone receptionist that answered my call. After XXXX checked our loan 'notes ' I was informed that our loan was paid up and nothing was due until XXXX of XXXX. She said she had no idea why the automated calls continue. 

XX/XX/XXXX we received via USPS our monthly PHL mortgage statement. The statement showed a charge for 'Total Fees and Charges ' amounting to {$300.00}. I called PHL to get a clarification for these fees and charges. Once again I was told they would have to research the fees and charges. Later that day I received an email showing the inspection fee charges dating back to XXXX. These exact fees had previously charged and then reversed ; as it is against the law to charge fees to an FHA mortgage, as well as a mortgage that in forbearance ( due to Hurricane Harvey ). On that day, XX/XX/XXXX, I called PHL to speak to someone about these fees ; spoke with 2 receptionist and never reached the mitigation department ; I was told someone would definitely call me back. 
XX/XX/XXXX I called again requesting to speak to mitigation was on hold and then PHL disconnected my call. 
XX/XX/XXXX I called and specifically asked to speak with XXXX XXXX or XXXX XXXX, our points of contact in XXXX mitigation. I was told they were not available an email will be sent for them to contact me. 
XX/XX/XXXX I called PHL again. I was on hold over 15 minutes while waiting to speak to XXXX XXXX ; I was finally connected to XXXX who said she would email XXXX to call me. 
As in my previous complaints about PHL, they will not speak to me to address my concerns.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. XXXX the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF EDXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX
Consumer complaint received 2022-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (FL)

I made a special order through XXXX XXXX XX/XX/2021, after about two months I received a statement from my credit card company. I called the bank right away as I had been charged without any items being given to me. The bank opened a claim, they denied the claim due to the fact that they contacted the store and the same manager that charged my card in full instead of putting a hold on the card like the procedure for special order is. Instead I was charged in full and even though its been a year and i informed the bank, filed a police report, went to the store to try and get a return, spoke to corporate, sent proof of texts messages between me and the manager showing I did not have the item the bank has failed to fix the issue. They continue to report this to the credit bureaus and after over a year have no resolution, I have done my part and made countless attempts at fixing this and providing them with the information showing that I do not have the items, they are aware the manager who charged my card was fired from the company because of this same fraud to other customers yet they fail to fix my issue and continue to affect my finances tremendously.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SLM CORPORATION (FL)

XXXX sent an alert Sallie Mae was attempting to obtain personal information. 
I have not applied for any credit cards, loans of any kind ( student, mortgage, car, ) in the last 19 years.
Consumer complaint received 2022-06-16
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: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/2022, my credit card was subjected to a Hostile Takeover of Account XXXX XXXX XXXX XXXXXXXX and {$2000.00} was taken as a cash advance and transferred to my savings account. 

Subsequent to the transfer to savings, there was an attempt to transfer the {$2000.00} out of savings which was unsuccessful as the account was frozen. 

The hostile actor changed my email address and password denying me access to the account. 

As requested by the bank ( Penfed Credit Union ), I have uploaded my Drivers license, copy of a telephone bill, social security card, and a notarized request to change my pass word. 

I have now received an invoice for {$2000.00}, which is for the {$2000.00} fraudulent cash advance plus interest and fees. The balance is due by XX/XX/XXXX and I have been unable to resolve this in spite of numerous calls to the bank.
Consumer complaint received 2022-08-19
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)

FCRA violations : social security number not mine XXXX FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX AXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Collection account. 
XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} writte
Consumer complaint received 2022-06-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.