davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$340.00} XXXX XXXX XXXX SERVICES # XXXX OPENED XXXX XXXX XXXX XXXX XXXX # XXXX OPENED XXXX XXXX XXXX I AM WRITING TO SUBMIT A COMPLAINT TOWARDS THESE CREDITORS AND TRANSUNION CREDIT REPORTING AGENCIES BECAUSE THESE ACCOUNTS APPEAR ON MY CREDIT REPORT BY MISTAKE OR BY FRAUD. THEY DO NOT BELONG TO ME. MY NAME IS XXXX XXXX. I DO NOT HAVE ANY SUFFIXES OR GENERATION CODES, HOWEVER CREDIT REPORTING AGENCIES REPORT THAT THERE IS A GENERATION CODE WHICH IS THE SECOND BY MY NAME. THIS IS NPT CORRECT. I SUBMITTED MULTIPLE DOCUMENTS TO TRANSUNION AND THE CREDTORS ABOUT THIS DESCRIPANCY BUT THERE IS NO RESOLUTION. WHAT CAN I ASSUME THAT EITHER IT IS FRAUD OR AS MY NAME IS REPORTED INCORRECT, THESE ACCOUNTS MIGHT BELONG TO SOMEONE ELSE WITH THE SAME NAME. I HAVE SENT FTC REPORT AND ALL OTHER SUPPORTING DOCUMENTS BUT THE ONLY CREDIT BUREAU WHICH IS REPORTING THESE ACCOUNTS AND THAT IS TRANSUNION IS NOT WILLING TO MAKE ANY CHANGES. PLEASE ASSIST ME TO REMOVE THE MENTIONED ACCOUNTS FROM TRANSUNION CREDIT BUREAU AND OTHER AGENCIES IF THEY ALREADY REPORT PERMANENTLY. BECAUSE OF THESE ACCOUNTS MY CREDIT SCORE AND HISTORY ARE SERIOUSLY DEMAGED. ANY QUICK ASSISTANCE AND RESPONSE WILL BE HIGHLY APPRECIATED. THANK YOU IN ADVANCE!
Consumer complaint received 2023-02-05
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. (FL)

In accordance with the " Fair Credit Reporting Act '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

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

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2023-02-05
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. (IN)

I recently recieved a report from XXXX stating my report had been " fixed '' i dont know how i couldnt get info needed over phone and wasnt able yet to send verifacation requested to obtain needed info. It has address still never resided at phone number dont recognize im puzzled how they " fixed problem '' without input or " info '' from me dont know who provided or " corrected info. Its not corrected and i will try contact XXXX but will also mail disputes. Very odd and also XXXX XXXX had account opened XX/XX/2020 with email not mine credit checks ran monthly sometines several times got still getting XXXX  XXXX " pre '' approved offers dont want but lost access to email trying to resolve with XXXX XXXX and find out who opened account with my name but not my email. Been ill hospital etc but also documents stolen etc reported police. Been over year since ordering reports id theft tax returns personal docs stolen out vehicle. Discoved recently key copy made im pretty certain without permission. Phone XXXX multiple and ongoing dispute false accusations no security personal devices admint retail demo developer call redirect no help resolving XXXX or XXXX gotten worse. But will contact XXXX XXXX again new email and XXXX on how or who provided " corrected info '' or verification to " fix report not fixed and very bizarre. My id theft reports after filing and cybercrime fbi etc before gettingbanswers email phone charge jacks burnt up etc.
Consumer complaint received 2023-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

We have auto insurance thru USAA. Our policy renewed every 6 months. State of Kentucky charges taxes on the policies. Our XXXX XXXX, XXXX, KY charges 10 % as well. USAA requires us to pay these taxes upfront on the first premium rather than prorated monthly. USAA charges a fee of 15 % of the policy they say, to collect for the XXXX, XXXX, KY. Per state they say that USAA can charge a fee, but was also puzzled as to why taxes wasnt prorated. In prior years they were and I wasnt aware of a fee from USAA. It was only noticed when my bill increased largely and I am to pay {$430.00} next month. ( Taxes are totally up to be over {$300.00} a year ). They ( KY ) checked the numbers to insure the state and local % was correct but was silent with the answer on this question. I personally believe that this problem stems from XXXX not accepting this but rather want upfront. Something that is beyond our control as far as laws ( XXXX ). So the question is ( 1 ) why such a big fee of 15 % by USAA. ( 2 ) Is XXXX, KY the problem? ( 3 ) Is XXXX receiving a portion of this fee ( They made over {$450000.00} for 2021 on premium taxes ) " There is also a collection allowance that may be added to the local insurance tax by the insurer to offset the cost of collecting the tax for the local governments. ( Key words ) This allowance is limited to 15 % of the tax or 2 % of the premium, whichever is less, and it usually appears on the premium notice as part of the local tax. " -Insurance institute of XXXX My son has XXXX, so they do the same.
Consumer complaint received 2023-03-11
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. (PA)

Fraudulent Accounts On Credit Report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WESTERN EXPRESS LENDING (TX)

I had recently found interest into working with Western Express in XX/XX/2021 via indeed. I called spoked with a recruiter XXXX XXXX and was giving information to bait me into the company. Shortly after, I spoke with XXXX XXXX to verify what XXXX told me before I flew to TN. I was told by both XXXX XXXX XXXX that this company had LOCAL POSITIONS DRY VAN JOBS out of my hometown XXXX Tx, & that I only needed to come in for a week over the road training with a trainer because I was already a XXXX holder. The recruiter immediately sent me a plane ticket so that I can come there to start the process. However, when I got there they first send you through informational classes and in that class EVERYTHING they said was different from what I was told over the phone. Immediately after hearing that Western can not fulfill the work I was looking for, I in person reached out to a manager at the location within seconds.I spoke to a manager and told her due to me being a single mom I can not work over XXXX XXXX XXXX XXXX a flat bed XXXX XXXX She said unfortunately they dont have what I was told and shes not sure why the recruiter told me that. I called the recruiter and he said then began to play a game. So after learning it was not what I was promised over the phone I flew myself home the same day with my own funds. I was already uncomfortable because I had to share a room with a complete stranger. As I wasnt aware of sharing rooms also. And to only wake up and find the girl I roomed with XXXX. This moment I was extremely uncomfortable. I never drove for this company. I never completed training with this company. I did not obtain my XXXX A from them. I never went over the road with this company nor a trainer. I never touched any of their trucks. Nothing with this company but fly all the way there from XXXX to walk into nothing but lies. But theyre saying I did and is now reporting on my credit for {$2500.00}. Ive been calling this company for almost a year to only be giving the run around ; and still til this very day. I have proof of the ticket I bought myself home from XXXX TN. I tried disputing with XXXX XXXX but this company sent a contract over that was fraudulently signed with my signature. But in this same contract, it states youre not officially a driver until you fully completes training. Which I never did. This company fast talk and rushes you into things. By the time I left, I was already assigned a new recruiter.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP (IL)

Sir or madam, To whom it might concern, I wouldreally appreciate if you would take to consideration my request in regard to resolving my debit card issued on XX/XX/20 witch is showing on my Unemployment statusprofile, witch I never receive. 
I tried to reachUnsuccessfully Key Bank during past 7 weeks over the Phone, total of about 20 hours. 
As a result I know that an unemployment representative sent an email regarding my missing card to KeyBank two weeks ago, I still have no response on this email. 
I tried to reach KeyBank on XXXX and they refered me to the link where I can not find any resolving solution, because I do not have my debit card in my possession, and also the phone number where I cant find any Success of connecting with a KeyBank representatives. 
I would really appreciate if you can help me get my debit cardmailed again. 

Thank you.
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I was a victim of unauthorized transactions to my account from a website called XXXX, which is owned by XXXX, an online casino company. I had an account there for a few months but only used XXXX XXXX for modest purchases. I have since closed the account and contacted their support department for help. 
The exact loss i believe adds up to {$5600.00} although the people i spoke to in the BofA XXXX department said some of the last transactions were pending, I'm not sure what the outcome is. This whole thing is crazy because I specifically opted for no online transactions to my account, yet they let them through.They really failed me by ignoring the signs that something was amiss and this activity continued for XXXX weeks. There were XXXX they said over a XXXX week period, yet no one saw this as completely out of character for my account? The first transaction occurred on XX/XX/22 and last one on XX/XX/22 before they finally began blocking them on XX/XX/22. It's obvious the people robbing my account weren't going to stop until it was drained from the way the amount of transactions escalated so quickly over that span of time, and one would expect they would have security measures designed to recognize that activity and halt it from the start. My mother 's bank which is XXXX does, so much so that they block single transactions a few times a year, and although an inconvenience she says she still appreciates the protection they provide. Since my first complaint, I've learned more information about what might have happened. A guy named XXXX XXXX spent XXXX weeks at our apartment, and altho a buddy of my roommates he spent allot of time on my phone saying he ran out of fata,. A month or so later my ex roommate said he visited him and was afraid, saying he might be in trouble with the law. He wasn't specific but my roommate said it sounded like fraud of some kind. He's a nice guy and would never physically hurt anyone, but it's intelligent and computer savvy. So myself and other friends have tried locating him just to talk to him and he disappeared, on the run perhaps? The problem is he's from Hawaii and that's in the XXXX but still far away. That's all the info I've got for now. But please contact me if you need any further information from me, my email is the best way, XXXX. Thank you for your help, XXXX XXXX
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (PA)

This is the second time I have complained through here Wells Fargo are sneaky XXXX. They know from the ticket created on my original complaints with them the item was accidentally deposited twice because at first they did not show my deposit into mobile banking through the app so I thought it didnt work and tried the atm which they had immediately created a ticket to cancle out the atm XXXX moments after it occurred and I called them to let them know about the duplicate deposit attempt to try to get my cashiers check funds deposited to pay for my car and get home. They held that mozbile deposit long after canceling out the atm thing that got corrected. I was XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX If I was not so established with my checking account I would change banks because Wells Fargo did nothing but hurt me I intentionally and now in order to cover it up responded only with partial and misleading details about my initial complaint. They did not learn from or respect the last class action that was filed against them. They still use unfair buisiness practices. That cashiers check they had already kept {$3500.00} when it was issue and those funds should have been made immediately available but they werent. I actually called repeatedly for days to finally get someone to expedite the clearing of my check that never should have been held. If it showed as a mobile deposit immediately and cleared as it should have in the first place no atm deposit would have occurred erroneously. They know it too! Yet they chose to respond to the last complaint with that was a fraudulent deposit that couldnt be verified and withheld to you that they already were informed by me that it was such and how it happened and that my complaint was that the initial deposit that they chose to deem the real deposit and negate the second atm XXXX., leaving : the mobile deposit deemed the real check ( both a duplicated transaction with the same check number as further more clearly explained how it happed above ). It was a real cashiers check and I should not have had to wait days for the funds that XXXX deposit should have been immediate. They gave no choice to cancle prior to telling me it would need days to clear. Then at first the mobile deposit didnt even show in my account on the app so I thought it glitched and that is when I tried the atm XXXX ad detailed more clearly above. They kept my funds for days without any access to them and left me stranded when they already had my money it was a cashiers check. Mobile deposit made me upload photos that showed what it was and their app should have been able to verify the mobile deposited cashiers check that was funded by their bank and they had the funds already because it was a pre funded certified check that cost {$10.00} to have immediate funds available in that check!
Consumer complaint received 2023-01-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation (PA)

Disputed through credit report as well, but I did not receive any communication from the original Creditor about debt owed or the new creditor about transfer of any debt nor did I receive and validation information to make sure it was correct. 
Payments in full were made to original owner before debt was transferred.
Consumer complaint received 2023-01-12
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-10
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX DEPT OF EDUCATIONXXXX : XXXX DEPT OF EDUCATION/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (SC)

Received a phone call from collections about XX/XX/2022 stating an outstanding debt. Was told it was for unpaid XXXX bills. I explained that I do not have a XXXX account & XXXX service is not available where I live. I also told them that I am a victim of identity theft. At this point they said they would discontinue collections efforts, email me the XXXX fraud packet to be filled out, & assigned a case # XXXX ). 
I was told by the representative ( XXXX ) that once the completed packet was received the case would be closed. I proceed to fill out the packet, attach all the required supporting documents, emailed & faxed back to XXXX 's fraud /identity theft department on XX/XX/2022. I have not been contacted by any means by XXXX & only discovered by an email alert from Identity Guard.
Consumer complaint received 2023-02-05
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: ENCORE CAPITAL GROUP INC. (IL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated! 

Item Number Company Name Account Number Comments 1. Midland Credit Management MCM Account # XXXX, Original Account Number : XXXX 2. XXXX XXXX XXXX, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.