davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than XXXX times. transunion 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 XXXXwo year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2019-10-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION (WA)

Your instructions to the salesman filling out your usury contract tell him to change the price of the car from what i agreed to pay ( {$4500.00} ) to some {$8500.00} that I did not agree to get a lian loan for. Again, an illegal change.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (MD)

I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, my rights have been violated. 
Regarding alleged account # XXXX 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 an account without my written instructions.

15 U.S. Code 1681B ( 4 ) : states that there is a Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Consumer complaint received 2019-10-22
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. (VA)

In XX/XX/2018 my bank XXXX XXXX that I had my Auto loan through accidentally hit my credit with a missed payment. The bank admitted it was a mistake multiple times when I approached them about the situation. Both the XXXX branch and the XXXX XXXX XXXX have requested Equifax to remove the missed payment multiple times with no response has to why it hasn't been removed.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/13 I used my XXXX app that offered XXXX to put a deposit down on a pet. Once I released it was a scam I contacting Huntington the same day to cancel the transaction and they disputed it. I received my letter to saying they wasnt going to refund the {$250.00} dollars. They should not be using XXXX through their mobile banking if they cant not cancel or protect their customers.
Consumer complaint received 2019-10-22
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. (NC)

Experian is ignoring my validation requests, the company received my first letter on XX/XX/2019, a second on XX/XX/2019, and a third on XX/XX/2019. All letters via certified return receipt. Validation was requested each time and ignored. Experian did not provide any contracts with my signature and provided no proof of any verified accounts. 
After receiving my third letter Experian went on to state, " Unless you send us additional relevant information to support your claim, we will not investigate this information again. '' Experian never properly verified any account, never sent any contracts with my wet-ink signature, and the accounts clearly state that it has been transferred or sold to another office. No information is provided on my credit report. My rights are being violated!
Consumer complaint received 2022-06-22
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. (OH)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-29
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)

New evidence connected to complaint XXXX I provided all the necessary information and packet the law requires to have this information blocked and removed. Transunion is neglecting my federally protected laws as a consumer. I gave them enough time to remove these harmful and fraudulent accounts from my consumer report. As pursuant to 15 USC 1681c-2 Block of information resulting from identity theft. Transunion was provided a copy of my ID, copy of FTC report, the items to remove, as well as a statement that this was not information relating to ANY transaction by the myself. This was not a request to because of a error. Transunion is willfully and knowingly breaking the law. My complaint was submitted on the XXXX, and it is now the XXXX. That is past the 4th day they had to block and remove the items. This is damaging my credit worthiness as well as curing mental anguish.
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PACIFIC PREMIER BANCORP, INC. (CA)

THIS CRIMINAL BANK PACIFIC PREMIER FRAUDULENTLY AND CRIMINALLY CHARGED {$35.00} NSF FEE IN MY XXXX ACCOUNT EVEN THOUGH {$200.00} CASH WAS DEPOSITED ON XXXX ON TUESDAY. 

I TALKED TO THIS CRIMINAL BANK 'S LOCAL MANAGER IN XXXX XXXX " XXXX XXXX '' AND SHE SAID THERE WILL BE NO NSF FEE, AS DEPOSITED {$200.00} CASH. 

THIS A LAWSUIT AGAINST ( 1 ) PACIFIC PREMIER AND ( 2 ) ITS CEO " XXXX XXXX '' PERSONALLY IS BEING FILED FOR BOTH CIVIL FRAUD AND UNFAIR BUSINESS PRACTICES- SEEKING ATTORNEY 'S FEES AND DAMAGES
Consumer complaint received 2022-06-22
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. (AL)

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

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-06-22
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. (AL)

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

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2019-10-22
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)

THE DISPUTED ACCOUNTS WERE NOT AUTHORIZED BY ME, PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SO MANY DAMAGE TO MY FILE. I AHD NO IDEA THOSE ACCOUNTS WERE PLACED ON MY FILE, PLEASE CONDUCT AN INVESTIGATION AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2019-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX # XXXX. I have been using a Walmart credit card for purchasing supplies for my business now for over a year and I have never missed a payment. Recently Capital One took over the Walmart accounts and on a few occasions within the past week I tried to use this card and it was declined. I thought I may have gone over my spending limit so I made payment on Monday XX/XX/2019 at a Walmart store in the amount of {$500.00}. I then tried to use the card and it was still declined. I called customer service the same day and was told that my social security number didnt match and they would need me to upload my driver 's license, bank statement, and social security card. I did all three uploads and was told they received them. I explained I have two credit cards through Walmart and one I use for business the other personal. I even uploaded a business bank statement. They are still claiming that it doesnt match. How much more information do they need? Ive been a card holder for over a year with Walmart. I'm also a card holder with Capital One. They won't give me names all I know is the fraud department is handling my case and I've included the case number at the top of this report. The last person I spoke with was today XX/XX/2019 he stated they were sending a letter for me to write a letter! I explained I sent all the documents they need and I still have no RESOLVE. The person I spoke with today only gave me his ID number as XXXX. I also know that my account has been suspended since XX/XX/2019. I hope you can help.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

This is about Chase. I am helping a nonprofit charity which is setup under 501 ( c ) ( 3 ). I have been sending checks to them for different causes; such as orphan care, refugees etc. 

I use my bank 's " Pay Bills '' feature which cuts and sends them a check. There is a memo field which I filled this time with " XXXX XXXX XXXX '' to instruct that I would rather have the funds be spent in the XXXX XXXX XXXX XXXX that we often see in news which have hardship due to winter. 

XXXX Chase, did a simple text search and blocked my check, and witholding funds and threatening to confiscate my funds ( " Provide detailed purpose of payment. Payments involving XXXX are only permissible under certain XXXX regulations, authorizations and or licenses. Remitter is to please cite the applicable regulation/authorization/license under which this payment is permissible ... If a response is not received within a timely manner, the funds could be affected in accordance with the sanctioned program '' ). 

- I told them in my response, in exact wording : " This is a XXXX organization providing support for syrian and afghan refugees. '' Do I need to provide anything anymore? Just because I mentioned " XXXX XXXX XXXX '', they categorized it as Payments involving XXXX. It does not involve XXXX, it involves XXXX. They are still witholding my payment even after telling them that this is a XXXX ( c ) ( 3 ) organization that I have been sending money to, and that the address is a XXXX address with the organization 's name on the fund. They are now asking : " Please advise of location of XXXX XXXX.. ". This is despicable, am I supposed to know where the XXXX XXXX  are? 

- I am sending to a charity, in the US, to a US address. In no way this indicates that I am sending money oversees. 

- This is XXXX and discriminative. My memo in no way mentioned or indicated that the funds were destined to " XXXX ''. The Bank thinks " Payments involving XXXX '', will this be the same case if I say " For Syrian Music Concert ''? " In excange for XXXX Carpets '' or whatever? Or is it a " Payments involving XXXX '' context when it is about " refugees '' - In a subsequent pay, I put " Winterization efforts for refugees '', and when their background is not mentioned, the payment is fine. So, it is the " XXXX XXXX  '' that the bank does not want to deal with? 

I am not in a place to advise anyone on location of XXXX  XXXX. This is abuse of power.
Consumer complaint received 2022-08-07
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # xxxxx XXXX, XXXX XXXX # xxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, XXXX # XXXX XXXX, XXXX  # XXXX XXXX, XXXX # XXXX XXXX, XXXX XXXX # XXXX XXXX, XXXX # XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have informed Trans Union and they are in the process of removal. I have to send them a letter and that asked that I report that activity here. 

The following is a list with the dates of the inquiries. Valid inquiries have been removed from the list. This list is Trans Union Only but they are duplicated in whole or part on the other major bureaus., These inquiries are holding all three scores just under the XXXX mark and causing issues with Interest rates and approvals for myself and my business where I must offer a guarantee. 

XXXX XXXX XX/XX/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 2019-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit Management prey on OLD people! I have asked MCM-Midland Credit Management the said company namesbelow to prove consent and they can not. They refuse to cooperate by mailing or giving me the consent they claim was given to charge my account. I want to sue and receive the monies fraudulently taken from my checking account by the company Midland Credit Management or MCM or Midland Funding LLC or Encore Capital Group , Inc. who unlawfully without consent took {$7500.00} from my checking account. The representative from the company said that they have the consent on a recorded line ; I asked MCM to prove the consent and can not. They can not prove the consent!
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (NV)

XXXX KEEPS TRYING TO COect money for an account I never signed a contract for or a property address I have no affiliation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX is not mine and I never have anyone authority to sign for me I asked XXXX for copies of the contract they denied me And my address at XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX charged me 1 year after I was out of contract I emailed them over and over telling them to stop billing me and my service contract needed and I did not want to remark
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an improper charge from XXXX for just going online to research a possible trip. So I called Bank of America to speak to someone in the fraud division on Saturday, XX/XX/XXXX. I was on hold for over an hour waiting for a member of that division to answer the telephone. This is in addition to the bank continuing to provide less than satisfactory customer service to customers who frequent its local bank in XXXX XXXX XXXX Florida due to understaffing of personnel. The Manager there, XXXX, is doing a remarkable job trying to satisfy customers who simply dont have sufficient numbers of bank employees to speak with because of the understaffing. Coupled with long waiting times on hold, Bank of America is failing its customers
Consumer complaint received 2019-10-22
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. (WI)

I have been complaining to Equifax for over a year about errors on my credit file. I submitted a request for verification method dated XX/XX/XXXX mailed to equifax onXX/XX/XXXX was received by equifax on XX/XX/XXXX stamped by XXXX XXXX under certification # XXXX XXXX. The company failed to respond to my request instead sending me a new letter showing my complaints were verified as correct. These items public record XXXX filed XX/XX/XXXX at U. S. Bankruptcy court XXXX, Wi. & Public record XXXX dated XX/XX/XXXX at U. S. Bankruptcy court XXXX wi..To date XX/XX/XXXX I have not received a response to my request. I contacted XXXX & was told they had not supplied any information to Equifax. I also contacted the U. S. Bankruptcy Court see attached, who advised that they had not submitted any data to Equifax and they do not place data on any credit files. Equifax continues to sidetrack my request for information for the Method of Verification in violation of the FCRA guidelines. Accordingly FCRA guidelines required the information be supplied to me within 15 days. Equifax is in clear violation of FCRA rules and guidelines. I am requesting the company immediately be held in violation for failure to follow FCRA guidelines. Equifax should immediately remove any incorrect data from my credit report.
Consumer complaint received 2022-08-07
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)

I have recently looked over my credit report and realized some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ), the credit reporting agencies have illegally assumed this role without MY permission not only that I NEVER GAVE them my consent to report this information to anyone. They did not respect my right to privacy which is clearly state in 15 USC 1681 ( a ) ( 4 ). The credit reporting agencies have NOT exercised their grave responsibility, they were unfair, they were partial and because of that they each have violated my consumer rights. The credit reporting agencies have NEVER had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed your company to furnish this report and I never consented to this report in the first place.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

I contacted the merchant, Conns at XXXX on XX/XX/2019 via automated service and it stated my payoff amount was {$3200.00} therefore, I made a payment for {$2000.00}. Next day, XX/XX/2019 I contacted merchant again and spoke with a live representative and she verified payment of $ XXXX made and confirmed remaining payoff amount of {$1200.00}. I paid {$1200.00} on XX/XX/2019 via automated service. 

A few days later, I contacted merchant again and spoke with a live representative and now they confirmed payoff amount was paid {$3200.00} and I would receive letter stating account paid off, XXXX balance remaining, account closed and late payment error would be removed from my credit report. 

I have since called merchant several times and now they are stating I have a remaining balance of {$290.00} needed to payoff account. This merchant is clearly guilty of Deceptive Trade Practices Act which is clearly ruining my credit, Please assist in resolving this matter as soon as possible.

Sincerely, Frustrated Consumer