davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
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 XXXX  Account name : U S DEPT OF EDXXXX Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : 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 an account without my written instructions.
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

TD bank withdrew XXXXXXXX XXXX that I deposited via remote deposit. they tell me that there was a transposition of one number and that the XXXX was withdrawn without my knowledge. the XXXX check that i deposited is no longer to be found and no one from TD will look at why they say not there and we have the right to say there was an error and withdrawal funds I am out XXXX.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/delete any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX Balance Owed : {$890.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-11-30
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. (CA)

On XX/XX/22 I received an email from Experian stating that I given limited information in regards to my dispute already in progress. This private company is demanding access to my social security credit card number which is negotiable instrument with no contract with me nor court order. It appears as if they are violating my right to privacy. The company has already utilized my personal information without my knowledge with other companies. These negative transactions that are being reported are impacting my ability to attain my rights to acquire the basic necessities of life for example a quality home, decent car and educational aspirations for my children. I feel like I am being extorted by Experian with these demands.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 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 2022-09-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (IL)

My vehicle was involved in a car accident ally financial reached out to me and insisted that they send some one from there company go to check vehicle out before we move forward ally never did so which caused the claim to lapse they wouldnt contact me after words because of there wrongs this has been going on for 8 + months every time I try to call till this day my calls are forwarded in can never speak to the case manager that was assigned to me once she told me 2 different stories she started doging me every call is recorded in they violated my rights several times.
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (CO)

I have this debt with the XXXX but i have a payment plan and I never fail to make a payment. This company I tried to explain to them regarding this issue and they don't let me to talk the scream to me and also used profane words to me they don't let me talk, they make me feel that I am a criminal. The name of the company is Phoenix financial services. the date of service was XX/XX/2018 owned amount {$490.00}. the hospital name is XXXX XXXX XXXX XXXX XXXX current creditor XXXX XXXX XXXX XXXX. I don't own this amount I already paid that amount with the hospital, and they don't want to listen and give any fax number or email where to send the evidence. They reserved to be demanded
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express solicited my business, asking me to apply for a new credit card in XXXX, XXXX ; Blue Cash Preferred * from American Express. The American Express solicitation included a {$300.00} credit promotional oer if at least {$3000.00} is spent on the card in 6 months. I applied. American Express pulled a new credit report and opened a new banking account for the credit card. I spent {$3000.00} within 4 months. 
Called American Express support multiple times and they conrmed my eligibility for the {$300.00} statement credit. After 7 months and no {$300.00} promotional credit I called American Express again. I was assured that I had satised the terms of the promotional oer on XX/XX/XXXX, but was told the XXXX XXXX ' pulled back the {$300.00} credit because they felt I was not a new customer. 

American Express has stated that they made mistakes in their support and agreed that their telephone support did verify on multiple times that I had satisfied all requirements for the {$300.00} -- promotional credit and should receive the credit. 

WSL XX/XX/XXXX in an article titled 'Justices ( Supreme Court XXXX Weigh Limits on Corruption Cases ', relevant quote 'prosecutors used the " right-to-control '' theory of fraud, which treats depriving someone of complete and accurate information bearing on an economic decision as a type of property fraud ... right-to-control ' theory is a valid basis for liability under the federal wire-fraud statute. ' I believe that American Express deprived my of accurate information when I decided to provide my private information on their credit card application. My choice to share my personal information, was an 'economic decision ' on my part directly attributable to the {$300.00} -- credit card statement. American Express miss-used my consumer and credit information on a fraudulent promotional offer. American Express communicated the fraudulent information by phone and XXXX mail, which in my opinion also aligns with the federal wire-fraud statute. If American Express continues to refuse to provide the promotional {$300.00} credit that they used to solicit my business and personal information, I will seriously consider taking them to small claims court.
Consumer complaint received 2022-09-23
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. (FL)

I am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : 1. XXXX XXXX XXXX Account : XXXX 2XXXX XXXX Account : XXXX Inquiries : XXXX : Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX -Inquiry date XX/XX/XXXX XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX via XXXX resident XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 115 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 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

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- @ ( 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.

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 2022-07-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I disputed this it came back verified, even with the payment history being wrong on all three Bureaus this is a charged off account and payment is history is incorrect, and none of them has entered consumer disputes this account this is a violation and MUST be entered when the account has been disputed attached report to prove history is wrong and no dispute comment was entered at all, remove account immediately you can not make any changes on a charged off account it is closed this can not be updated, re-opened or show any activity. 

XXXX shows 60 days late no 30 day late, also shows co, co, co, OK. XXXX also failed to enter comment disputed by consumer remove for violations this is required to be entered after a dispute was made Experian shows 30 days, 60 then co XXXX co XXXX co XXXX co XXXX co Experian also failed to enter comments disputed by consumer remove for violations this must be entered at the time of dispute XXXX has never reported any payment history on this account and also failed to enter comments Disputed by consumer Remove for violation this must be entered at the time of dispute
Consumer complaint received 2022-09-21
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. (TN)

I am a victim of identity theft, also have been affected by the XXXX Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX # XXXX, TN Child Support # XXXX, TN Child Support # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.
Consumer complaint received 2022-06-07
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: Self Financial Inc. (MS)

In accordance with the fair credit reporting act XXXX Account ending in XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2022-06-07
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. (MS)

The Credit Bureaus XXXX TransUnion, XXXX, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX, Inquiry Date XX/XX/20 XXXX XXXX  Inquiry Date XX/XX/20 XXXX Inquiry Date XX/XX/20, 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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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 2022-07-02
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Management Corporation (GA)

Regional Finance contacted an unknown law firm / person on XX/XX/2022 which contacted me asking me to have Regional Finance stop calling them attempting to collect my debt. They contacted this person and then gave them my contact details in order for them to stop calling not only this person but for me to get in touch with them as well. 

They effectively were using strangers to collect on this unknown debt. 

I found out that this is some kind of mailed check. They forced me to make a payment or they were going to report me 30 days late. They also had the unknown third party " law firm '' contact XXXX XXXX who alleges I owe them money and have been working with this person as well, we share similar first names apparently? 

I'm very upset that they gave my phone number to random people they were calling and I received phone calls about some debt that I don't even really know about and they won't accept any dispute without a police report which is nonsense.
Consumer complaint received 2022-11-30
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. (NV)

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 : # 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 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 2022-07-02
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. (TN)

Received copy of credit report due to COVID-19. Account with XXXX credit limit {$1500.00} is an open account that I did not authorize. I am a victim of identity theft this account by XXXX Bank, Account # XXXX is a result of fraud. I have notified XXXX Bank and they have failed to properly investigate and resolve the issue. I believe XXXX is opening accounts in people 's names illegally.
Consumer complaint received 2022-06-07
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. (MI)

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 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-07
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

US Bank Loss Draft Department Hurricane Ian Flooded my home, flood insurance cut a check and I sent to Mortgage company. The company sent me a check for XXXX dollars- I deposited the check they cancelled it. I have contractors lined up and the company will not explain the issue or why I was given the check and it was then taken away. I was able to call and they stated their policy changed. I called on XX/XX/XXXX at XXXX and XXXX stated I would get a check for the total amount, called back on XX/XX/XXXX XXXX stated the check was mailed and at my home. I deposited the check on XX/XX/XXXX. I was notified by my bank on XX/XX/XXXX that the payment was stopped. I still haven't received notification from the company or a supervisor of why this occurred. I have a letter saying final disbursement was given and claims is complete. I have contractors coming next week and I won't have money to pay them to get my home where I can live in my home. I was able to get notification after multiple calls today that they would send XXXX for repairs. The problem I have is the poor information shared so I can plan to fix my investment ( home ) and the lack of communication and cancelling funds so my checks are going to bounce without that money and I will have to pay additional fees due to the incompetence of this bank.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

This car loan was reported fraud and was removed from my credit on all 3 credit files. Now It's back? This was dealt with in XXXX. It's now XXXX and still on my file. I had gotten a police report for fraudulent activity.
Consumer complaint received 2022-06-07
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. (NY)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-07
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.